Commercial Credit Underwriter III

Greenville, South Carolina, United States of America Hours: 40 $43.75 - $70.00 USD Line of Business: Personal & Commercial Banking Job Description The Commercial Credit Underwriter III analyzes, underwrites and may act as the final decision authority on commercial loan applications while following sound lending practices, policies and procedures. The Commercial Credit Underwriter III ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements. Responsible for basic financial analysis of less complex loans/industries/Customers. Depth & Scope May possess loan decision authority up to position authority limits as defined in credit policy Expected to attain 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 Performs 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/ l 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 such as SBA and other agencies 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 Considers and discusses alternative structures and overall assessments with market, sales personnel Proven leadership skills including coaching, counseling and mentoring of underwriting staff Sets conditions of lending and involvement with shared services functions as needed to expediate loan closings Meets turnaround requirements of 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, Federal Banking Regulation and Government Reporting requirements Education & Experience 8+ years of relevant Commercial lending experience Proven analytical and research skills Prior lending authority strongly preferred Demonstrated problem solving skills and the ability to blend technical knowledge and 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 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 Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Kneeling – 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 The 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. #J-18808-Ljbffr