Work Location:

United States of America

Hours:

40

Pay Details:

$23.25 - $32.75 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

Credit Management

Job Description:

The Credit Management Associate III 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 III will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate III will serve as an expert in commercial lending process and be a resource for others.

Depth & Scope:

• 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 recieved during underwriting, to the image repostitory system, in prepartion of Loan Specialist assignment.
• 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                 
• 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. 
• Works closely with Credit Management team in supporting basic underwriting functions including spreading of financial statements
• May assist in research of industry specific information from outside sources, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet
• Assist Credit Management with clearing and management of exceptions
• Supports and assists Credit Management CCM team with reporting, loan activities, delinquencies and tracking in loan information
• May generate and distribute reports to the Credit Management team, as needed.
• Manages a loan pipeline from origination through booking in accordance with Bank policies and procedures
• Works independently in resolving more complex issues relating to origination process through booking
• Follows quality control procedures to verify records contain proper content using checklist and other tools
• May create/manage/confirm TD document changes and inputs are consistent with system requirements
• Evaluates best course of action taking into account bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors
• Establishes strong working relationships with commercial stakeholders, credit risk and other internal areas involved in underwriting, approval and closing loans                        
• 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
• May provide support with onboarding activities

Education & Experience:

• 4 year degree or equivalent experience
• 3+ Years of related experience
• Accounting knowledge, including FASB and GAAP regulations, particularly in assigned line(s) of business
• Curious and observant with willingness to investigate to understand details of assigned business lines/accounts
• Strong analytical and problem solving skills
• Proactive, with ability to obtain necessary information and influence others in a tactful way without direct authority
• Relationship management skills, with ability to develop good client working relationships
• Communication skills, with ability to clearly display and explain numerical information and articulate required accounting treatment PC skills, including understanding of accounting software applications
• Ability to analyze non-routine transactions and those requiring judgment

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

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

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

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.