Commercial Credit Approval Officer I - Small Business Administration | Greenville, SC, USA

Commercial Credit Approval Officer I – Small Business Administration Work Location: Greenville, South Carolina, United States. Hours: 40. Pay: $110,760 – $178,880 USD. Department Overview The SBA Credit Management department at TD Bank supports all new loan originations of SBA 7a & 504 loans throughout the TD footprint and the portfolio management of all Commercial relationships with a majority of SBA 7a exposure. The department is split into three primary teams: Commercial New Loan Origination; Small Business New Loan Origination; Commercial Portfolio Management. Responsibilities Possesses single signer loan decision authority of $2.5 million, dependent upon specialty business line. Expected to attain and exercise moderate‑risk exception and loan authority. Leads strategic initiatives that have impact at the team or division level and participate in Line of Business strategic initiatives. Conducts thorough review of underwriting approval packages prepared by the commercial underwriting team. Renders 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, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt. Determines necessary conditions of lending and closing and involvement with shared services functions. Acts as a mentor and participates in the ongoing development of the Underwriting Staff through review of underwritings presented for their final review and provides ongoing feedback to the Underwriting management team. May underwrite the largest and most complex loans within the business unit; performs historical business financial analysis and cash flows; communicates with the borrower’s accountant (as needed) to gain a better understanding of the company’s accounting practices; conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to the highest authority limits. May perform in‑depth analysis of a guarantor’s financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation. Considers and discusses alternative structures such as SBA and other agencies and overall assessments with market, sales personnel. Notes any deviations from the loan policy, procedures and guidelines and identifies/mitigates key credit risks, and decides appropriate structures in order to reduce credit risk. Contributes to discussions of policy and standards adjustments with the management team. Meets turnaround requirements in a 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 and Credit Standards, Federal Banking Regulation and Government Reporting requirements. Education & Experience Undergraduate degree preferred. 10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience. Prior lending authority ≥ $1 million preferred. Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred. Able to operate in a highly professional, systems‑based environment. Proven analytical and research skills. Demonstrated problem‑solving skills and the ability to blend technical knowledge with good business judgment. Proven organizational, multi‑tasking, analytical, time‑management and decision‑making skills. Ability to meet deadlines. Strong communication skills, both verbal and written. Strong interpersonal skills and a team orientation. Ability to work with various levels of business partners. Computer literacy with a variety of software programs. 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. 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 View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr TD Bank Group