Commercial Portfolio Loan Officer III

TD Bank Group; Mount Laurel Township (NJ); Sur place; USD 91 000 - 136 000; Plein temps

Résumé du poste

TD Bank, N.A. in Mount Laurel, New Jersey is seeking a seasoned professional to administer and monitor a large portfolio of complex commercial loans.

You will personally manage client relationships, ensure accuracy of records, and prepare in-depth portfolio reports for risk and decision making. The role emphasizes credit analysis, regulatory knowledge, and collaboration with loan officers to drive responsible lending.

Qualifications

• 4 year degree or equivalent experience.
• 5+ years related experience.
• In-depth understanding of commercial credit decision process.
• Demonstrates credit, financial analysis and accounting skills.
• In-depth knowledge of commercial legal and regulatory guidelines.
• Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships.
• Demonstrates attention to detail.
• Supervisory skills.
• Demonstrated communication skills, both verbal and written.
• Proficient PC skills.

Responsabilités

• Administers and monitors large portfolio of large, complex commercial loans.
• Personally manages loan relationships with in the group.
• Ensures accuracy and maintenance of Customer records and files and updates information as needed.
• Prepares more in-depth management reports summarizing portfolio activity.
• Assists in risk management and credit administration activities.
• Coordinates with operations and processing areas to ensure loan payments are collected and recorded.
• Maintains current risk rating on Customers and comments in credit files.
• Visits Customers with loan officers to strengthen relationships.
• Provides guidance and mentoring as needed.

Connaissances

Commercial loans

Credit analysis

Customer relationship management

Supervisory skills

Financial analysis

Regulatory knowledge

Communication skills

PC skills

Formation

4 year degree or equivalent experience

5+ years related experience

Description du poste

Job Summary

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $91,000 - $136,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business

Personal & Commercial Banking

Job Description

• Administers and monitors large portfolio of large, complex commercial loans
• Personally manages loan relationships with in the group
• Ensures accuracy and maintenance of Customer records and files and updates information as needed.
• Prepares more in-depth management reports summarizing portfolio activity
• Pays specific attention to credit administration, exception and risk management based on common metrics
• Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
• Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current
• Accompanies loan officers during sales calls to assist with account details and implementation
• Provides technical guidance and assists staff with most complex aspects of work as necessary
• May provide training and mentoring for new and less experienced staff
• Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans
• Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors
• Visits Customers independently and with commercial loan officers to maintain strong business relationships
• Is assigned own accounts and/or share account management responsibilities with commercial loan officers
• Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms
• Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
• Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process

Education & Experience

• 4 year degree or equivalent experience
• 5+ years related experience
• In-depth understanding of commercial credit decision process
• Demonstrates credit, financial analysis and accounting skills
• In-depth knowledge of commercial legal and regulatory guidelines
• Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships
• Demonstrates attention to detail
• Supervisory skills
• Demonstrated communication skills, both verbal and written
• Proficient PC skills

Physical Requirements

• Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never
• Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Total Rewards Package

Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. US Labor & Employment Posters | California Privacy | Accessibility | FAQ

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific