Commercial Credit Underwriter

4 days ago

New York, New York, United States TD Bank Full time
Job Summary

We are seeking a highly skilled Commercial Credit Underwriter to join our team at TD Bank. As a Commercial Credit Underwriter, you will be responsible for analyzing and underwriting commercial loan applications, ensuring compliance with established underwriting guidelines and Federal Banking Regulations.

Key Responsibilities
  • Analyze and underwrite commercial loan applications, ensuring compliance with established underwriting guidelines and Federal Banking Regulations.
  • Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure.
  • Underwrite loans and perform historical business financial analysis and cash flows, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices.
  • Perform in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, and thorough investigation of personal tax returns and credit reporting documentation.
  • Research economic and market conditions relating to the company, industry, and market area.
  • Identify credit applications that require credit enhancements and make decisions accordingly.
  • Rend final credit decision within individual lending authority limits, based on the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, business/product cycles, industry information, projected operating performance, application data, and the ability to repay the proposed debt.
  • Consider and discuss alternative structures and overall assessments with market, sales personnel, and customers.
  • Set conditions of lending and work with the post-approval team to ensure conditions of lending are met or appropriately mitigated prior to loan closing.
  • Meet turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced.
  • Maintain a satisfactory level of portfolio delinquencies and charge-offs.
Requirements
  • Undergraduate degree and/or 3+ years of relevant experience or basic knowledge of credit and financial analysis techniques.
  • Strong analytical and research skills.
  • Demonstrated problem-solving skills and the ability to blend technical knowledge and good business judgment.
  • Strong communication skills, both verbal and written.
  • Proven organizational, multi-tasking, analytical, decision-making skills, and ability to meet deadlines.
  • Good interpersonal skills and a team orientation.
  • Ability to work with various levels of sales and market personnel.
  • Developed PC skills, including proficiency and capability in word processing and spreadsheet software.
  • Computer literacy with a variety of software programs.
About TD Bank

TD Bank 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.

What We Offer

We offer a competitive compensation package, including base salary and variable compensation/incentive awards, as well as a range of benefits, including health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition.

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