Loan Review Commercial Examiner II (US)

About the role

The Loan Review Commercial Examiner II role is responsible for conducting borrower file reviews within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. This position requires a strong background in commercial credit analysis, credit risk assessment, and risk rating.

Responsibilities

• Independently conducts borrower file reviews to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration.
• Interprets and applies Regulatory feedback and requirements as well as Bank policies and credit standards and evaluates adherence of reviewed credits to these policies, credit standards, risk limits and Regulatory guidance.
• Analyzes and interprets borrower specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk.
• Develops and provides management with a risk rating assessment for all borrowers reviewed, ultimately in support of the Bank's Expected Loss determination.
• Participates in and contributes to risk rating discussions, both internally and with Line of Business partners.
• Utilizes and applies subject matter expertise in development of job aids in support of Examination activities.
• Communicates independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews.
• Resolves any discrepancies and disputes with lending and credit management, incorporating Line of Business feedback in final assessments, where appropriate.
• Maintains an expert working knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews.
• Initiates independent professional development to stay well informed on credit products and structures, industry trends and regulatory changes.
• Produces workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review.
• Manages workflow in accordance with department standards.
• Aids and assists in the professional development of other Commercial Examiners as deemed appropriate.
• Maintains confidentiality of customer information at all times.
• Performs other related duties as required.

Requirements

Required Qualifications:

• Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration.
• 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 the 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.

Preferred Qualifications

• Competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions.
• 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 well potentially contentious circumstances.

Qualifications

Education & Experience:

• Bachelor's Degree in business or related field required.
• 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.

Benefits

TD offers a comprehensive benefits package including health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. TD is also committed to providing a supportive and inclusive environment where diverse perspectives are valued and everyone has fair opportunities to grow.

Pay

$100,000 - $150,000 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. 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.

Schedule

Hours 40