TD Bank

Loan Review Commercial Examiner II (US)

TD Bank • $100K — $150K *
Charlotte, NC 28269In-Person
Finance & Insurance
5 - 7 years of experience
1 month ago
Job Overview by Ladders

Qualifications

  • Bachelor's Degree in business or related field, preferably Finance or Accounting
  • Minimum of 5 years experience in Commercial credit roles
  • Strong knowledge of credit analysis and risk management
  • Excellent verbal and written communication skills
  • Proficient with Microsoft Office and data interpretation for reviews

Responsibilities

  • Conduct comprehensive borrower file reviews for Commercial loan portfolios
  • Interpret regulatory feedback and evaluate adherence to policies and credit standards
  • Analyze borrower-specific information to assess repayment capacity and risk
  • Provide risk rating assessments to management based on independent judgment
  • Collaborate with lending and credit managers to resolve discrepancies
  • Document review findings for internal and external presentations
  • Assist in the professional development of other Commercial Examiners

Benefits

  • Opportunities for growth and skill development within the company
  • Support for continuous professional development
  • Access to collaborative work environment
  • Engagement with diverse Commercial loan portfolios
Full Job Description
Work Location:
Greenville, South Carolina, United States of America

Hours:
40

Pay Details:
$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. 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:
Risk Management
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.

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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