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Senior Commercial Credit Officer

2 months ago

Coral Gables, Florida, United States TD Bank Group Full time
Work Location:
United States of America

Hours:
40

Compensation Details:
$110,760 - $166,400 USD

TD is dedicated to ensuring fair and equitable compensation opportunities for all employees. The salary range for this position considers various factors that influence compensation decisions. The actual base pay offered may differ based on the candidate's skills, experience, job-related knowledge, certifications, geographic location, and specific business needs. As TD prioritizes career development, it is uncommon for individuals to be hired at or near the top of the salary range for their role.

As a candidate, you are encouraged to engage in discussions regarding compensation with your recruiter, who can provide more specific information for this position.

Line of Business:
Personal & Commercial Banking
Position Overview:

The Senior Commercial Credit Officer (SCCO) is accountable for maintaining high standards in underwriting, compliance, and credit oversight within a designated portfolio, facilitating new business growth while adhering to credit risk policies and TD Bank Group's risk appetite. This role supervises the credit underwriting and administration processes within a Regional Market or Middle Market. Key responsibilities include credit evaluation and approval, team leadership, mentoring and developing credit analysts, and ensuring ongoing skill enhancement and career progression for team members. The Senior Commercial Credit Officer oversees a team of credit analysts within a market, where the size of the teams justifies this leadership position. The SCCO collaborates closely with the Credit Officer to maintain alignment with TD Bank Group's Risk Appetite Principles, including the establishment of Borrower Risk Ratings and Facility Risk Ratings for both new and existing credit relationships.

Key Responsibilities:
  • Conducts initial research on prospective clients to assess compatibility with TD Bank products and structures while aiding in evaluations of credit requirements and alignment with TD Credit Risk Appetite.
  • Participates in site visits as necessary or requested.
  • Oversees Credit Analysts in preparing preliminary financial analyses, cash flow assessments, Borrower Risk Ratings, and term sheets used in decision-making for potential clients; supervises Officer Analysis, input of Borrower Risk Ratings, Facility Risk Ratings, Covenants, and Asset Risk Determination.
  • Ensures all team members are well-versed in and operate within applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: Anti-Money Laundering, Privacy, Firewalls, Systems & Information Security, Financial Consumer Agency of Canada regulations, etc.) and confirms that all staff complete required compliance training within designated timelines.
  • Evaluates all credit applications, ensuring they deliver a comprehensive risk assessment, credit structure analysis, due diligence, and credit presentation.
  • Maintains an appropriate balance between customer risk and pricing.
  • Shares joint signature authority on credits within delegated limits and provides recommendations on all others.
  • Ensures the overall portfolio is effectively monitored and controlled, adhering to approved guidelines and established operating policies and procedures.
  • Interprets and applies TD's risk management strategies (both credit and operational).
  • Implements and manages systems to identify and mitigate operational risk issues, serving as the designated anti-money laundering officer for the unit.
  • Stays informed about changing market conditions and relevant industry trends.
  • Responsible for managing aspects of customer relationships, including reviewing reports and delinquencies, approving covenant compliance forms, and assisting in strategy development in case of failures, along with conducting monthly monitoring.
  • May lead a team of Analysts in overseeing loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships.
Qualifications:
  • Bachelor's degree in Accounting or Finance; MBA or MBA candidates preferred.
  • A minimum of 5 years of experience in a related field.
  • Strong skills in credit underwriting and administration.
  • Proven ability to identify and mitigate risk.
  • Solid understanding of value-added credit structuring in a commercial banking context.
  • Excellent communication skills with a strong business acumen.
  • Strong interpersonal skills.
  • Customer-focused approach.
  • Strong planning and organizational abilities.
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 - Continuous.
  • Applying common sense to standardized problem-solving - Continuous.
  • Reading, writing, and comprehending instructions - Continuous.
  • Performing basic arithmetic operations - Continuous.
The above statements aim to describe the general nature and level of work performed by individuals assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. The listed responsibilities and duties are considered essential functions for ADA purposes.

About TD Bank Group:
TD is among the world's foremost global financial institutions and ranks as the fifth largest bank in North America by branches. Each day, we deliver exceptional customer experiences to over 27 million households and businesses across Canada, the United States, and globally. With more than 95,000 TD colleagues contributing their skills, talent, and creativity, we are dedicated to enriching the lives of our customers, communities, and colleagues. Guided by our vision to be the Better Bank, we are committed to enhancing the customer experience and building capabilities to shape the future of banking. Whether you have extensive banking experience or are just beginning your career in financial services, we can support you in realizing your potential. Through regular leadership and development discussions, mentorship, and training programs, we are here to help you achieve your goals. As an organization, we continue to grow - and so will you.

Our Total Rewards Package:

Our Total Rewards package reflects our investment 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 recognition programs.

Additional Information:
We appreciate your interest in building a career with TD. Through regular development discussions, training programs, and a competitive benefits plan, we are committed to providing the support our colleagues need to thrive both professionally and personally.

Colleague Development:
If you are interested in a specific career path or wish to develop certain skills, we want to assist you in your success. You will have regular career, development, and performance discussions with your manager, along with access to an online learning platform and various mentoring programs to help you unlock future opportunities. Whether you are passionate about helping customers and want to expand your experience or aspire to coach and inspire your colleagues, there are numerous career paths within TD, and we are dedicated to helping you identify opportunities that align with your goals.

Training & Onboarding:
We will provide comprehensive training and onboarding sessions to ensure you have everything you need to succeed in your new role.

Interview Process:
We will reach out to candidates of interest to schedule interviews. We strive to communicate outcomes to all applicants via email or phone call.

Accommodation:
If you are an applicant with a disability and require accommodations to complete the application process, please contact the TD Bank US Workplace Accommodations Program. Include your full name, preferred contact method, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.