Commercial Portfolio Loan Officer II(US) - Special Mention and Classified

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.

The Commercial Portfolio Loan Officer II provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily concentrated in Special Mention and Classified-rated borrowers. The role evaluates borrower performance and credit risk to support sound credit decisions, risk mitigation strategies, and the protection of the Bank's asset quality.

• Administers and monitors medium portfolio of more complex commercial loans
• Begins to manage loan relationships within the group
• Ensures accuracy and maintenance of Customer records and files and updates information as needed; Prepares in-depth management reports summarizing portfolio activity
• Pays specific attention to credit administration, exception and risk management based on common metrics
• May administer 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
• Occasionally 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
• Coordinates with credit department and performs in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans
• May contribute and provide input to group loan decision processes based on evaluation of credit risk and other key factors
• May visit Customers independently and with commercial loan officers to maintain strong business relationships
• May be assigned own accounts and/or share account management responsibilities with commercial loan officers
• May perform periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms
• May administer 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
• May utilize limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process

• 4 year degree or equivalent experience
• 3+ years related experience
• In-depth understanding of commercial credit decision process
• Excellent credit, financial analysis and accounting skills
• Knowledge of commercial legal and regulatory guidelines
• Demonstrates Customer service and relationship management skills, including track record of building and expanding Customer relationships
• High attention to detail
• Excellent communication skills, both verbal and written
• Good PC skills

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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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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.