Commercial Credit Underwriter Iii- New Loan

3 weeks ago

Mount Laurel, United States TD Bank Full time

Work Location:
Mount Laurel, New Jersey

Hours:
40

Pay Details:
$41.75 - $62.50 USD

Line of Business:
Personal & Commercial Banking

**Job Description**:
Depth & Scope:

- May possess loan decision authority up to position authority limits as defined in credit policy
- Expected to attain exception and high-risk authority
- Acts as a mentor and participates in the on-going development of the Underwriting Staff
- Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
- Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices
- Performs in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ l
- Investigate available sources of credit and financial information
- Research economic and market conditions relating to the company, industry and market area
- Notes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk
- Considers and discusses alternative structures and overall assessments with market, sales personnel
- Proven leadership skills including coaching, counseling and mentoring of underwriting staff
- Sets conditions of lending and involvement with shared services functions as needed to expediate loan closings
- Meets turnaround requirements of a loan production environment, while maintaining strong quality of work produced
- Maintains a satisfactory level of portfolio delinquencies and charge-offs
- Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements

Education & Experience:

- Undergraduate degree preferred
- 8+ years of relevant Commercial lending experience
- Proven analytical and research skills
- Prior lending authority stongly preferred
- Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
- Proven organizational, multi-tasking, analytical, time management and decision-making skills
- Ability to meet deadlines
- Strong communication skills, both verbal and written
- Strong interpersonal skills and a team orientation
- Ability to work with various levels of business partners
- Developed PC skills including proficiency and capability in word processing and spreadsheet software
- Computer literacy with a variety of software programs
- Small Business Administration/Agency experience preferred

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
- 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.

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabili

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