Banking - Senior Loan Processor

Sr Loan Officer (US) - CRE LendingPostulerremote type: Temps pleinposted on: Publié aujourd'huitime left to apply: 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. Commercial Loan Officer is an external sales role which focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. Commercial Loan Officer maximizes profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships**CRE Commercial Loan Officer Responsibilities:*** Originate and structure commercial real estate loans including (retail, industrial, multifamily, office and mixed-use properties)* Establish and maintain relationships with developers, attorneys, brokers and various CRE industry networking sources* Analyze financials, cash flows, rent rolls, operating statements, collateral, market data for sound credit decisioning* Work with internal business partners to complete credit discussion or approval memos* Negotiate loan terms and coordinate closings with outside legal counsel and internal underwriting teams* Monitor loan portfolio performance and ensure compliance* Meet or exceed annual production and portfolio growth goals while maintaining sound credit quality and acceptable ROE* Operate well within a high paced environment and collaborate with multiple team members* Experience with secured construction, term, and multi-asset pool lending* Familiarity with loan documentation and regulatory requirements**Depth & Scope:*** Works independently to develop new business with prospects that have the largest and most complex credit needs* Maintains established market presence and extensive network of outside referral sources of new business* Understands how to structure the most complex deals* Prepares basic management reports summarizing loan activity* Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business* Compiles necessary data and information to begin financial analysis* Negotiates specific terms and conditions within parameters defined by credit decisions* Finalizes loan agreements with prospects and Customers and closes sales* Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management* Assists in the development of less experienced loan officers* Educates Branch Managers and staff about products and the lending process* Communicates credit decisions to prospects and negotiates specific terms and conditions for loans within parameters defined by credit decisions* Responsible for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new Commercial Customers and cross selling existing Customers as well as an established network of resources**Education & Experience:*** 4 year degree or equivalent experience* 10+ years related experience* In-depth understanding of commercial industry, business development techniques and credit decisions* Proven business development track record, with proven ability to conceptualize and implement effective new business strategies* Extensive network of outside referral sources for new business* Excellent credit and financial analysis skills* Refined negotiation skills* Proven communication skills, both verbal and written* Proven PC skills* Membership in civic and professional organizations required**Customer Accountabilities:*** Understands and supports the Bank's Customer Service Strategy* Considers the impact of decisions on the well-being of TD, its Customers and stakeholders* Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity* Models quality service delivery at every interaction* Leads and contributes to the ongoing improvement of the partner / Customer experience**Shareholder Accountabilities:*** Participates in civic activities to promote growth and development of the community and a positive image for TD* Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with Best Run concepts and overall enterprise strategy and objectives* Participates in establishing and executing plans and goals for the Business to drive toward results* Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies* Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TDs scale and operating model* Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization* Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite* Successfully completes all required job specific, compliance-related training* Understands, utilizes and follows Compliance/Risk and control programs* Consults with all risk functions in the development and documentation of policies, procedures and controls, for all department processes* Ensures ongoing compliance with internal / external audit and regulatory requirements* Provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings* Maintains appropriate records of action plans**Employee/Team Accountabilities:*** Be engaged in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experience* Participates fully as a member of the team and contribute to a positive work environment* May provide leadership, training, and guidance to other team members* Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest* Actively shares information and knowledge, and proactively learns from the expertise of others**Physical Requirements:****Never: 0%; 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.) - 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 - ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. Who We Are:**TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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. Together, we are reimagining what banking can be for our clients, colleagues and communities.**Our Total Rewards Package**Our 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. 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**Additional Information:** We’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. **Colleague Development**If 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. If 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. Here at TD, we hire and develop the best.**Training & Onboarding** We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. **We do our best to communicate outcomes to all applicants by email or phone call.**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. J-18808-Ljbffr TD Bank