TD
Counsel - Commercial Lending & Workout
at
TD
Location Mount Laurel, New Jersey, United States
Hours 40 hours per week
Pay $140,000 - $231,000 USD
Department Overview TD's US Commercial Lending & Workout Legal team supports the US Commercial Bank and Commercial Workout, helping to enable their business strategies while managing legal risks presented in day-to-day operations. The team works closely with senior leadership, credit management, credit risk, relationship managers, and workout officers to provide legal support in areas including policy and procedure reviews, issue remediation, contract negotiation, transactional risk analysis, litigation management, and sourcing legal advice from internal and external law firms as needed.
Depth & Scope
Provides consistent and sound legal advice in a clear, concise, and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite, and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client.
Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate by identifying situations when actions conflict with TD's risk appetite and discussing with the client how particular actions might be inconsistent.
Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience, and respect in dealing with all parties involved.
Education & Experience
Bachelor’s degree required
JD from accredited law school required
5+ years of related experience
Admission to appropriate State Bar in good standing and licensed to practice law in the State
Basic understanding of banking/financial services operations and issues
Ability to simplify, problem‑solve, multitask, and work effectively against deadlines
Integrity and high moral standards
Strong negotiation and conflict resolution skills
Strong legal research and analysis skills
Detail oriented
Ability to apply legal knowledge to the business
Ability to exercise sound judgment
Excellent oral and written communication skills
Strong teamwork and client skills
Highly motivated
May supervise administrative and paralegal staff and junior attorneys
Preferred Qualifications
Commercial lending transactional experience in a law firm or in‑house environment
Deep experience negotiating commercial financing contracts
Experience managing or assisting with commercial loan workouts
Experience with subsidiary and/or entity‑level corporate governance
Working knowledge of laws, rules, and regulations applicable to commercial and small business lending
Experience working in a regulatory environment
Experience with auto finance transactions and processes a strong plus
Physical Requirements
Domestic Travel – Occasional
International Travel – Occasional
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
Seniority Level Mid‑Senior level
Employment Type Contract
Job Function Legal
Industry Banking
Equal Employment Opportunity 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.
Accommodation 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
at
TD
Location Mount Laurel, New Jersey, United States
Hours 40 hours per week
Pay $140,000 - $231,000 USD
Department Overview TD's US Commercial Lending & Workout Legal team supports the US Commercial Bank and Commercial Workout, helping to enable their business strategies while managing legal risks presented in day-to-day operations. The team works closely with senior leadership, credit management, credit risk, relationship managers, and workout officers to provide legal support in areas including policy and procedure reviews, issue remediation, contract negotiation, transactional risk analysis, litigation management, and sourcing legal advice from internal and external law firms as needed.
Depth & Scope
Provides consistent and sound legal advice in a clear, concise, and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite, and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client.
Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate by identifying situations when actions conflict with TD's risk appetite and discussing with the client how particular actions might be inconsistent.
Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience, and respect in dealing with all parties involved.
Education & Experience
Bachelor’s degree required
JD from accredited law school required
5+ years of related experience
Admission to appropriate State Bar in good standing and licensed to practice law in the State
Basic understanding of banking/financial services operations and issues
Ability to simplify, problem‑solve, multitask, and work effectively against deadlines
Integrity and high moral standards
Strong negotiation and conflict resolution skills
Strong legal research and analysis skills
Detail oriented
Ability to apply legal knowledge to the business
Ability to exercise sound judgment
Excellent oral and written communication skills
Strong teamwork and client skills
Highly motivated
May supervise administrative and paralegal staff and junior attorneys
Preferred Qualifications
Commercial lending transactional experience in a law firm or in‑house environment
Deep experience negotiating commercial financing contracts
Experience managing or assisting with commercial loan workouts
Experience with subsidiary and/or entity‑level corporate governance
Working knowledge of laws, rules, and regulations applicable to commercial and small business lending
Experience working in a regulatory environment
Experience with auto finance transactions and processes a strong plus
Physical Requirements
Domestic Travel – Occasional
International Travel – Occasional
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
Seniority Level Mid‑Senior level
Employment Type Contract
Job Function Legal
Industry Banking
Equal Employment Opportunity 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.
Accommodation 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