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Job description
On Site
nMount Laurel, New Jersey
n1 Portland Square, Portland, Maine
nFull time
nR_
nWork Location:
nMount Laurel, New Jersey, United States of America
nHours:
n40
nPay Details:
n$91,000 - $136,240 USD
nTD 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.
nAs 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.
nLine of Business:
nPersonal & Commercial Banking
nJob Description:
nThe Commercial Portfolio Loan Officer III provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily concentrated in Special Mention and Classified-rated borrowers. The role evaluates borrower performance and credit risk to support sound credit decisions, risk mitigation strategies, and the protection of the Bank's asset quality.
nDepth & Scope:
nnnAdministers and monitors large portfolio of large, complex commercial loans
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nnPersonally manages loan relationships with in the group
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nnEnsures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity
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nnPays specific attention to credit administration, exception and risk management based on common metrics
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nnAdministers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
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nnMaintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current
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nnAccompanies loan officers during sales calls to assist with account details and implementation
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nnProvides technical guidance and assists staff with most complex aspects of work as necessary
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nnMay provide training and mentoring for new and less experienced staff
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nnCoordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans
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nnContributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors
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nnVisits Customers independently and with commercial loan officers to maintain strong business relationships
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nnIs assigned own accounts and/or share account management responsibilities with commercial loan officers
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nnPerforms periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms
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nnAdministers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
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nnUtilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process
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n nEducation & Experience:
nnn4 year degree or equivalent experience
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nn5+ years related experience
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nnIn-depth understanding of commercial credit decision process
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nnDemonstrates credit, financial analysis and accounting skills
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nnIn-depth knowledge of commercial legal and regulatory guidelines
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nnProven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships
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nnDemonstrates attention to detail
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nnSupervisory skills
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nnDemonstrated communication skills, both verbal and written
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nnProficient PC skills
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n nPhysical Requirements:
nNever: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
nnnDomestic Travel - Occasional
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nnInternational Travel - Never
n
nnPerforming sedentary work - Continuous
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nnPerforming multiple tasks - Continuous
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nnOperating standard office equipment - Continuous
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nnResponding quickly to sounds - Occasional
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nnSitting - Continuous
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nnStanding - Occasional
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nnWalking - Occasional
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nnMoving safely in confined spaces - Occasional
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nnLifting/Carrying (under 25 lbs.) - Occasional
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nnLifting/Carrying (over 25 lbs.) - Never
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nnSquatting - Occasional
n
nnBending - Occasional
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nnKneeling - Never
n
nnCrawling - Never
n
nnClimbing - Never
n
nnReaching overhead - Never
n
nnReaching forward - Occasional
n
nnPushing - Never
n
nnPulling - Never
n
nnTwisting - Never
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nnConcentrating for long periods of time - Continuous
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nnApplying common sense to deal with problems involving standardized situations - Continuous
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nnReading, writing and comprehending instructions - Continuous
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nnAdding, subtracting, multiplying and dividing - Continuous
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n nThe 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.
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nWho We Are:
nTD 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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
nOur Total Rewards Package
nOur 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 (
nAdditional Information:
nWe'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.
nColleague Development
nIf 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.
nIf you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
nWe're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
nTraining & Onboarding
nWe will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
nInterview Process
nWe'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.
nAccommodation
nTD 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.
nIf you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
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nOur Values
nAt TD we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
nOur Commitment to Diversity, Equity, and Inclusion
nAt TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
nHelping to Make an Impact in Communities - TD Ready Commitment
nTD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada ( | US ( | Europe & Asia Pacific (
nFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.