Credit Underwriter - Commercial Bank

Commercial Credit Underwriter IIIPostulerremote type: Temps pleinposted on: Publié hiertime 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. Line of Business:**Services bancaires personnels et commerciaux**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:*** Undergraduate degree preferred* 8+ years of relevant Commercial lending experience* Proven analytical and research skills* Prior lending authority stongly 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:**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 – Continuous* The 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. 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.**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.