About TD Bank, America’s Most Convenient Bank®

TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US and www.twitter.com/TDNews_US.

TD Bank, America’s Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol “TD”. To learn more, visit www.td.com.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Job Profile Summary
The Credit Management Associate IV provides ongoing support to an assigned commercial customer account portfolio within Credit Management. The Associate will be involved in origination requests and ongoing portfolio administration throughout the lifecycle of each account. The Associate will ensure that all required processes are completed in accordance with Bank standards and procedures while driving data accuracy and quality control to avoid losses and reduce undue risk. The Associate works with lending and credit management personnel on customer requests to determine and collect critical information from a variety of sources, third parties, and internal partners for utilization in key tasks within the loan origination and portfolio management systems. During each phase of an account’s lifecycle, the Credit Management Associate will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate will serve as an expert in commercial lending process and be a resource for others.

Manages an assigned account portfolio for new and existing commercial customers to provide consistent professional service and support throughout the total lifecycle of each account
Assists with the uploading of due diligence received during underwriting, to the image repository system, in preparation of Loan Specialist assignment.
Assists Credit Management with clearing and management of exceptions
Capable of working independently and supporting accounts of larger size and complexity and/or larger volume of accounts, for a variety of lending types such as asset-based lending, corporate and commercial loans, commercial real estate finance (real estate mortgages, construction finance, and REITS), healthcare and higher education, and equipment finance
Assigned accounts may include syndicated or participation loans, cash management accounts, workout, foreign exchange and international letters of credit
Input necessary information into loan origination system to generate loan documents; Assists with closing of new loan accounts and submits information for boarding; assists loan team in preparing a complete approval package in preparation for closing.
Ensures customer accounts are in good order through performing ongoing due diligence (such as tax, UCC, and judgment searches), monitor, track insurance renewals, and verify regulatory information is current and accurate, i.e. authorized signors, OFAC, beneficial owner/control prong and other KYC activities when required
Assists with portfolio risk by monitoring maturities, loan review dates, and other compliance reporting requiring timely action
May assist in preparing the most basic financial analysis of less complex loans / industries/ Customers, maintaining credit file, financial statement and assist with analysis memos
May assist Credit Management with clearing and management exceptions
Performs lockdown control / QC Function post-approval of a customer request to verify approved terms by Credit Management and Credit Risk align to the loan origination system data
Performs post boarding review of new loans on loan origination system to ensure data accuracy
Coordinates credit facility renewals and modification which may involve execution of new loan documentation, modification of existing notes or other actions which may involve approved legal service providers or internal document preparation areas, as applicable
Builds business relationships with Lending and Credit Management teams to determine appropriate contacts for assigned tasks
Maintains a strong knowledge of process and procedure for commercial products and services and shares information with others as a subject matter expert.
Will assist with process improvement and change communication relevant to assigned portfolio
Serves as subject matter expert for the department
Serves as a resource and assists with training Credit Management Associates
Works independently in resolving more complex issues relating to origination process through booking
May provide support with onboarding activities
Position is Hybrid
#LI-Hybrid

• Must be eligible for employment under regulatory standards applicable to the position.

4 year degree or equivalent experience
4+ years related experience required
Detailed knowledge of commercial lending products, credit policy, loan documentation and administration requirements and legal and regulatory guidelines
Detailed knowledge of and experience applying commercial lending policy and procedures, including lending authority, loan structures, risk ratings, loan to value ratio and other related information
Excellent Customer service skills, including ability to work with demanding Customers in complex lending relationships
Strong analytical, problem solving and organizational skills and experience
Flexible and adaptable to change, with ability to learn new tasks and systems quickly. Demonstrated ability to multi-task and learn quickly
Math skills and accuracy with numbers and transactions required.
Demonstrates strong attention to detail
Strong time management skills resulting in successful completion of multiple priorities to meet objectives
Excellent communications skills, both verbal and written
PC skills, including extensive experience with and ability to troubleshoot specialized loan administration systems and software and ability to adapt to system changes

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At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.