Loan Review Commercial Examiner II

Work Location: Mount Laurel, New Jersey, United States of America · Hours: 40 per week

Pay

Base salary range: $100,000 – $150,000 USD per year. TD is committed to providing fair and equitable compensation opportunities. 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. Candidates are encouraged to discuss compensation with their recruiter for more specific details.

About the role

As an experienced credit professional and individual contributor on the Loan Review team, the Loan Review Commercial Examiner II independently conducts borrower file reviews within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. The role serves as an expert credit professional, conducting independent, high-quality, comprehensive reviews to assess underwriting adequacy, portfolio monitoring, documentation, collateral valuations, risk rating accuracy, and problem loan administration.

Responsibilities

• Conduct independent, high-quality, comprehensive reviews of borrowers across diverse Commercial loan portfolios to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration
• Interpret and apply Regulatory feedback and requirements, Bank policies, credit standards, and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and Regulatory guidance
• Analyze and interpret borrower-specific information, including independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk
• Utilize independent judgment and subject matter expertise to develop and provide management with risk rating assessments for all borrowers reviewed, in support of the Bank's Expected Loss determination
• Participate in and contribute to risk rating discussions, both internally and with Line of Business partners
• Utilize and apply subject matter expertise in development of job aids in support of Examination activities
• Interact independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews; work productively to resolve discrepancies and disputes, incorporating Line of Business feedback in final assessments where appropriate
• Maintain expert working knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews; initiate independent professional development to stay informed on credit products, structures, industry trends, and regulatory changes
• Produce workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review
• Manage workflow in accordance with department standards
• Aid and assist in the professional development of other Commercial Examiners as deemed appropriate
• Maintain confidentiality of customer information at all times
• Perform other related duties as required

Qualifications

Preferred Qualifications

• Highly competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions
• Able to work well with and influence others over whom they have no direct management control
• Effective collaboration and coaching via strong spoken and written communication
• Highly organized and attentive to detail
• Able to make observations and connections that may highlight potential credit risk
• Able to determine, support, and advocate for a position based on available data and knowledge
• Able to effectively communicate potential credit risk up to Exam Management
• Able to navigate potentially contentious circumstances

Education & Experience

• Bachelor's Degree in business or related field required; strong preference for Finance or Accounting major or concentration, but actual work experience can offset a different degree type
• Minimum of 5 years Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending, or Regulatory examinations
• Strong knowledge of Commercial lending and credit analysis with demonstrated experience in corporate, syndicated, and leveraged loans highly desired
• Excellent verbal and written communication skills
• Ability to compile data collected during reviews and interpret the data in narrative and analytical form to present resulting review findings to business management
• Ability to present well-formed and supported opinions of process, procedure, and credit risk condition to business management
• Ability to prioritize and organize assignments and meet strict deadlines
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems

Physical Requirements

Frequency key: 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

Benefits

TD's Total Rewards package 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 reward and recognition.

About the company

TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches/stores. Every day, TD strives 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, believing that all colleagues, no matter where they work, are client facing.

Additional Information

Colleague Development

TD provides regular career, development, and performance conversations with managers, access to an online learning platform, and a variety of mentoring programs to help colleagues unlock future opportunities. Diverse career paths are available for those passionate about helping clients and building deep, lasting relationships.

Training & Onboarding

Training and onboarding sessions are provided to ensure new colleagues have everything needed to succeed in their role.

Interview Process