TD Bank Job Openings – Credit Specialist

Website TD Bank

Job Description:

The Credit Specialist I is responsible for ensuring quality and compliance within our Healthcare South Lending Portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The Credit Specialist I performs the credit underwriting and credit administration functions. The Credit Specialist I works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.

Job Responsibilities:

  • Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
  • Is knowledgeable of and operates within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines
  • With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
  • Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions
  • Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
  • Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Banks profitability objectives
  • Understands changing market conditions and remain knowledgeable of relevant industry issues
  • Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, signing off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities
  • Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines
  • Interprets and applies TDs risk management strategy (both credit and operational)
  • Attends site visits and prospect/customer calls as needed or as requested

Job Requirements:

  • Healthcare lending experience
  • Solid interpersonal skills
  • Technologically proficient
  • Ability to identify and mitigate risk
  • Strong written and verbal communication skills with demonstrated understanding of business acumen
  • Sophisticated underwriting & analysis experience managing complex deals
  • Ability to manage constant change in a fast-paced environment
  • Ability to provide value-add structuring alternatives for complex credits
  • Strong planning and organizational skills.
  • Strong credit underwriting and administration skills
  • Customer focused
  • Ability to problem solve in less complex situations

Qualification & Experience:

  • 4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered
  • Minimum 7 years’ experience in related field
  • Strong systems experience – with the ability to adapt to new technology quickly

Job Details:

Company: TD Bank

Vacancy Type:  Full Time

Job Location: Orlando, FL, US

Application Deadline: N/A

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