Commercial Portfolio Loan Officer III

We need to produce HTML fragment with sections only when there is real specific content. Use

for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title as heading. No Job ID etc. Remove boilerplate. Preserve all substantive info. We need to extract from posting: - Work Location: Mount Laurel, New Jersey, United States of America - Hours 40 - Pay Details $91,000 - $136,240 USD - There's a description about compensation policies etc. But we should not include filler like "commensurate with experience". However we have actual pay range. So we can include Pay section with that range. - Hours: 40 (maybe schedule). Could be Schedule section: Hours 40 per week. - Benefits: The posting mentions "Total Rewards Package" includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, reward and recognition. That's substantive benefits. So we can include Benefits section summarizing those. - About the role: Could be a short paragraph summarizing role: The Commercial Portfolio Loan Officer III administers and monitors portfolio of Commercial loans, personally managing or assisting lenders in managing loan relationships within the group. Provide overview etc. We'll put that in About the role. - Responsibilities: The detailed list of duties under "Depth & Scope" and many bullet-like sentences. We need to convert to

• . Must preserve all substantive info, not invent. - Requirements: Education & Experience section: "4 year degree or equivalent experience", "5+ years related experience", "In-depth understanding of commercial credit decision process", etc. Also maybe "Proven Customer service and relationship management skills", etc. Those could be Requirements or Qualifications. We need to decide sections: Qualifications, Skills, Requirements. The instruction says use headings for those categories. We need to decide what goes where. Typically: Qualifications: education, experience. Skills: specific skills like credit, financial analysis, accounting, PC skills, communication, supervisory, attention to detail, etc. Requirements could be similar. But we must not create thin sections. We can combine. We have Education & Experience bullet list. Also there is a list of skills: Demonstrates credit, financial analysis and accounting skills; In-depth knowledge of commercial legal and regulatory guidelines; Proven Customer service and relationship management skills; Demonstrates attention to detail; Supervisory skills; Demonstrated communication skills, both verbal and written; Proficient PC skills. Also there are Physical Requirements but those are not likely needed as a section (maybe not). The instruction says include section only when posting has real specific content. Physical Requirements is detailed but maybe not needed as a standard heading; we could put under Requirements or maybe omit as not requested headings. Since we only have headings list, we should not create a Physical Requirements heading. Could we include those details under Responsibilities? Not really. Better to omit physical requirements as they are not under given headings. However we must preserve ALL substantive information; we cannot drop it if it's substantive. But the instruction says we should not create sections for Pay/Schedule/Benefits unless posting actually states them. It didn't forbid omitting other info; but we must preserve ALL substantive information. However we are limited to using only those headings; we could embed physical requirements within a

  under maybe Responsibilities or Requirements. That would preserve info. Thus we can include physical requirements as a paragraph under Responsibilities or maybe under a generic "Details" but we don't have that heading. We could add a

  after responsibilities describing physical demands. That's okay. We must not include boilerplate like EEO, accommodation, etc. Remove those. We must not include duplicated lines. We need to output only HTML fragment. Let's structure:

  About the role

  The Commercial Portfolio Loan Officer III administers and monitors a portfolio of commercial loans, personally managing or assisting lenders in managing loan relationships within the group. The role provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily concentrated in Special Mention and Classified-rated borrowers. It evaluates borrower performance and credit risk to support sound credit decisions, risk mitigation strategies, and protection of the bank's asset quality.

  Responsibilities

  • Administers and monitors large portfolio of large, complex commercial loans
  • Personally manages loan relationships within the group
  • Ensures accuracy and maintenance of customer records and files, updating 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
  • 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 keep information 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 shares account management responsibilities with commercial loan officers
  • Performs periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements and terms
  • Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of customers and efficiency of the lending process

  Physical requirements: 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 deal with problems involving standardized situations continuous; reading, writing and comprehending instructions continuous; adding, subtracting, multiplying and dividing continuous.

  Requirements

  • 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

  Benefits

  • Base salary and variable compensation/incentive awards (eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
  • 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
  • Reward and recognition

  Pay

  $91,000 – $136,240 USD per year

  Schedule

  40 hours per week

  Check for any duplicated content: We have responsibilities list includes some duplicated sentences (like administering existing loans appears twice). In original text, there were two similar sentences: "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" appears twice. We should deduplicate. We'll keep only one. Also "Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms" appears once. Also "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" appears twice; we keep one. Also "Administers and monitors large portfolio of large, complex commercial loans" appears twice? Actually first bullet: "Administers and monitors large portfolio of large, complex commercial loans" and later "Administers existing loans to ensure complete conformity...". Not duplicate. We need to ensure we didn't miss any substantive info: Location, Hours, Pay details, compensation policy text (we omitted the generic policy sentences about "TD is committed to providing fair and equitable compensation...". That is boilerplate? It's generic but still substantive? It's about compensation policies. Might be considered boilerplate but it's not a standard EEO line. However the instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate. This is not exactly those but it's a generic statement about compensation policies. Might be considered boilerplate but it's still part of posting. However we already have Pay section with range; the policy sentences are generic and could be considered filler. Safer to omit them as they are not specific details. The instruction: "Prefer a few substantive sections over many thin ones." So we can omit generic policy. We also omitted "Growth opportunities and skill development are defining features..." that's generic. We omitted "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." generic. We omitted "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." This is somewhat specific but still generic. Might be considered filler. We could include a note that actual offer may vary based on skills/experience etc. But that's somewhat generic. However we already have Pay range; we could add a sentence: "Actual offer may vary based on skills, experience, location, and business needs." That's substantive? It's a qualifier. Might be okay to include in Pay section as a note. We also omitted "Line Of Business Personal & Commercial Banking". That's metadata but could be included in About the role? Not necessary. We omitted "Department Overview". That's covered in About the role. We omitted "Who We Are" etc. That's boilerplate. We omitted "Additional Information", "Colleague Development", "Training & Onboarding", "Interview Process", "Accommodation". Those are boilerplate or generic. Thus final HTML. Check that we used

  for each section heading exactly as specified: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We used About the role, Responsibilities, Requirements, Benefits, Pay, Schedule. We omitted Qualifications and Skills because we merged them into Requirements. But the instruction says use those headings when section has real specific content. We have content for Qualifications (education/experience) and Skills (specific skills). Could split into Qualifications and Skills sections. That would be more specific and still substantive. Let's do that: Qualifications: education and experience. Skills: the list of skills. Thus we need sections: Qualifications and Skills. We'll adjust:

  Qualifications

  • 4‑year degree or equivalent experience