CSB Credit Specialist II - Commercial Real Estate

Work Location Charlotte, North Carolina, United States of America Hours 40 hours per week Pay Details

$120,000 - $180,000 USD

Job Description The Credit Specialist II position is responsible for managing a commercial real estate loan portfolio of secured loans. The secured loans are collateralized by various property types (multi‑family, industrial, office, retail, and self‑storage). This Credit Specialist will review potential loan transactions to determine if the transaction meets TD's credit appetite while also underwriting loans for approval. This role will also review loan documents to ensure TD's loan documentation standards are being met, and the loan approval is being properly documented. This role will also build and maintain productive relationships with all business partners within TD Bank while ensuring annual reviews are completed on time and financial covenants are tested on a timely basis. Lastly, this individual will review construction inspection reports to track construction progress and make recommendations on construction loan advances. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines. Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines. Attends site visits and prospect/customer calls as needed or as requested. With support from the Credit Analyst, prepares credit applications for new and existing borrowers; applications shall include new transactions, extensions, modifications, renewals and Annual Reviews. Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank profitability objectives. Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions. Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines. Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures. Interprets and applies TD's risk management strategy (both credit and operational). Understands changing market conditions and remain knowledgeable of relevant industry issues. Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities. Qualifications 4‑year undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered. 7+ years’ experience in a related field. Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding. Superior ability to identify and mitigate risk. Ability to provide value‑add structuring alternatives for highly complex credits. Strong written and excellent verbal communication skills with solid business acumen. Solid interpersonal skills. Customer focused. Strong planning and organizational skills. Ability to problem solve in more complex situations. Technologically proficient. 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 Accommodation 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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information. #J-18808-Ljbffr TD Bank