TD Securities
Work Location
Mount Laurel, New Jersey, United States of America
Hours: 40 hours per week
Pay: $34.75 - $52.00 USD
Line Of Business Personal & Commercial Banking
Job Description Depth & Scope:
May possess loan decision authority up to position authority limits as defined in credit policy
May possess exception and high-risk authority
Acts as a mentor and participates in the on-going development of the Underwriting Staff
Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices
May perform in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ loan scoring output data
May investigate available sources of credit and financial information
Research economic and market conditions relating to the company, industry and market area
Notes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk
Identifies credit applications that require credit enhancements and decision respective applications accordingly
May render final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / loan scoring output data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt
When applicable, considers and discusses alternative structures and overall assessments with market, sales personnel and Customers
Sets conditions of lending and involvement with shared services functions as needed to expediate loan closings. Meets turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced
Maintains a satisfactory level of portfolio delinquencies and charge-offs
Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements
Education & Experience
Undergraduate degree preferred
4+ years of relevant commercial lending experience
Prior lending authority preferred
Proven analytical and research skills
Strong understanding of credit underwriting and industry practices
Previous experience with business and personal financial statement analysis
Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
Strong communication skills, both verbal and written
Proven organizational, multi-tasking, analytical, time management and decision-making skills
Ability to meet deadlines
Strong interpersonal skills and a team orientation
Ability to work with various levels of business partners
Developed PC skills including proficiency and capability in word processing and spreadsheet software
Computer literacy with a variety of software programs
Small Business Administration/Agency experience preferred
Physical Requirements
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
EEO Statement 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.
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Hours: 40 hours per week
Pay: $34.75 - $52.00 USD
Line Of Business Personal & Commercial Banking
Job Description Depth & Scope:
May possess loan decision authority up to position authority limits as defined in credit policy
May possess exception and high-risk authority
Acts as a mentor and participates in the on-going development of the Underwriting Staff
Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices
May perform in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ loan scoring output data
May investigate available sources of credit and financial information
Research economic and market conditions relating to the company, industry and market area
Notes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk
Identifies credit applications that require credit enhancements and decision respective applications accordingly
May render final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / loan scoring output data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt
When applicable, considers and discusses alternative structures and overall assessments with market, sales personnel and Customers
Sets conditions of lending and involvement with shared services functions as needed to expediate loan closings. Meets turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced
Maintains a satisfactory level of portfolio delinquencies and charge-offs
Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements
Education & Experience
Undergraduate degree preferred
4+ years of relevant commercial lending experience
Prior lending authority preferred
Proven analytical and research skills
Strong understanding of credit underwriting and industry practices
Previous experience with business and personal financial statement analysis
Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
Strong communication skills, both verbal and written
Proven organizational, multi-tasking, analytical, time management and decision-making skills
Ability to meet deadlines
Strong interpersonal skills and a team orientation
Ability to work with various levels of business partners
Developed PC skills including proficiency and capability in word processing and spreadsheet software
Computer literacy with a variety of software programs
Small Business Administration/Agency experience preferred
Physical Requirements
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
EEO Statement 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.
#J-18808-Ljbffr