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TD Bank Institutional Commercial Real Estate - Market Credit Manager II in New York City, New York


Job Title:

Institutional Commercial Real Estate - Market Credit Manager II

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit .

Auto req ID:


Department Overview:

Commercial Real Estate "CRE" focuses on high quality, top tier, and well-capitalized developers, professional managers, and owner/operators of investment real estate. Specific core asset classes include: Multi-Family, Office, Retail, and Industrial properties.


United States

Job Requirements:

•\tLeads a Team of Credit Specialists and Credit Analysts

•\tManages the credit operational risk of a developing a smaller Region or Portfolio while driving profitable business growth

•\tInvolvement early on in deal structure in partnership with Regional Director or Team Lead and Credit Risk Management

•\tJointly sponsors and advances transactions with the Regional Director or Team Lead during the approval process

•\tEnsures adherence to Risk Policies, operational risk processes, policies, and practices and drives business successes

•\tAssists in executing the regions or division's business plan by ensuring the timely and consistent underwriting and closing of new and existing credit relationships within the business unit, consistent with the TD Bank Group Risk Appetite Principles and credit policies/underwriting guidelines

•\tEnsures the team's applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Banks profitability objectives

•\tDirects the completion of annual reviews and renewals of existing credit relationships in a timely manner and in accordance with Credit Policy in order to minimize credit risk

•\tDirects the review of compliance with loan covenants within the region

•\tServes as the leader on commercial loan structuring, pricing models, Risk Adjusted Return on Capital (RAROC), Maestro and loan reporting systems within the region

•\tServes as a leader in ensuring the region or division meets its Business Plan by providing consistent and complete underwriting of new credit relationships

•\tManages the appropriate balance between new business development, loan pricing and credit risk within the region. Working in conjunction with the region or division, helps structure creative and competitive solutions to meet the more complex and larger customer and prospective needs, consistent with the TD Bank Group Risk Appetite Principles

•\tIdentifies and responds to changes in the macro-economic environment, industry issues and business environment, establishing action plans to address customer issues and priorities

•\tEscalates credit issues of the region or division to the Regional Director or Team Lead and Credit Risk Management

•\tEnsures the Team's Credit Management staff is knowledgeable of and operates within the TD Bank Group Risk Appetite Principles and the applicable regulatory and compliance guidelines and procedures, including, but not limited to, Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security

•\tApproves new loans and annual reviews within delegated credit approval limits established by TD Bank, NA Loan Policy and makes recommendations on all others

•\tInterprets and applies TD Bank, NAs credit risk and operational risk management strategies within the team

•\tBuilds and maintains productive relationships with all business partners within the Division and across TD Bank, NA. Provides leadership and guidance to the Credit Specialists, Credit Analysts, and Commercial Loan or Leasing Specialist Teams.

•\tCoaches Credit Specialists and Credit Analysts in developing value-added credit solutions for our customers that are consistent with the TD Bank Group Risk Appetite Principles

•\tEnsures regions or division's response to inquiries and requirements initiated by regulatory agencies, Audit and Credit Risk Review

  • Must be eligible for employment under regulatory standards applicable to the position.



Job Description:

The Market Credit Manager II (MCM) manages the credit underwriting and credit administration functions within Specialty Banking, consistent with the TD Bank Group Risk Appetite Principles, including establishing the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. The Market Credit Manager II directs the Credit Specialists and Credit Analysts in the monitoring of loan covenants, loan delinquency, and completion of the annual review and renewal of existing credit relationships. The Market Credit Manager II works to achieve credit management objectives within the team. This job manages a team of Credit Specialists or, in some cases, a team of Credit Specialists and Analysts.


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.


New York


Melville, New York City


•\t4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered

•\t10+ years' experience in related field. In-depth understanding of the real estate industry, business development techniques and credit decisions

•\tDemonstrates excellent credit underwriting and administration skills

•\tDemonstrates superior ability to identify and mitigate risk

•\tBroad and deep understanding of value-add credit structuring in a commercial banking environment

•\tExcellent written and verbal communication skills with strong business acumen; Excellent interpersonal skills; Customer focused

•\tDemonstrates planning and organizational skills. Proven ability to problem solve; Technologically proficient

Work Location:

125 Park Avenue Corporate, 324 South Service Road

Business Line:


Job Category - Primary:

Management / Consulting / Advisory

Job Category(s):

Commercial Banking, Management / Consulting / Advisory, Operations & Underwriting

**Province/State (Primary):

New York

ProvState 2:

New York

City (Primary):

New York City

City(s) 2:


Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:


Hours/Availability Detail:

Mon - Fri

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