Loan Review Commercial Examiner II

Work Location:

Hours:

Pay Details:

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. 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. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Job Description:

As an experienced credit professional and individual contributor on the 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.

Department Overview:
As an expert credit professional, the Loan Review Commercial Examiner II serves as an individual contributor within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. The Loan Review Commercial Examiner II independently conducts borrower file reviews, in concert with leadership, relative to ongoing Examinations and continuous review testing activities.

Depth & Scope:

• Conducts independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios 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

• Utilizes independent judgment and subject matter expertise to develop and provide 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

• Interacts independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews. Works productively to resolve 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

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 well 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

• Must be able to compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to business management.

• Must be able to present well-formed and supported opinions of process, procedure and credit risk condition to business management

• Must be able 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:

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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD 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 strive 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, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make 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 reward and recognition. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.