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TD Bank Healthcare Small Business Credit Officer III in Portland, Maine

333129BR

Job Title:

Healthcare Small Business Credit Officer III

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 www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

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 www.td.com .

Auto req ID:

333129BR

Department Overview:

Are you an experienced underwriter with a desire to join and grow with a talented, highly productive team? Small Business Specialty Lending serves the healthcare segment (medical, dental, eye care, veterinary, and other) and is seeking skilled credit officers to serve our internal and external customers.

Country:

United States

Job Requirements:

Senior level loan decision authority up to position authority limits including independent exception and high risk authority as defined in credit policy

Acts as a mentor and participates in the on-going development of the Underwriting Staff

Conducts credit investigations and analyzes financial information pertaining to Small Business relationships with Commercial Credit exposure up to Small Business highest authority limits

Assesses analysis prepared by underwriters for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision; including historical financials, business and personal cash flow analysis, applications data, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, and application data

Notes any deviations from the small business loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk

Identifies small business credit applications that require Small Business Administration/Agency credit enhancements and decision respective applications accordingly

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 / Fair Isaacs Scoring Data, 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 and Customers

Sets conditions of lending and involved with post approval review with the post approval team to ensure conditions of lending are met or appropriately mitigated prior to loan closing

On an as needed basis, underwrites Small Business 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

Meets turnaround requirements of a high volume 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.

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

Hours:

40

Job Description:

The Small Business Credit Officer III acts as the final decision authority on small business loan applications while following sound lending practices, policies and procedures. The Small Business Credit Officer III ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements including but not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable Anti-Money-Laundering policies.

Inclusiveness:

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 USWAPTDO@td.com . 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.

Province/State:

Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, South Carolina

City:

Bedford, Boston, Burlington, Cherry Hill, Columbia, Greenville, New York, Portland, Providence, Ramsey

Qualifications:

4 year degree or equivalent experience

7-10 years related experience required

Prior single signature lending authority required

Thorough understanding of credit underwriting and industry practices

Previous business and personal financial statement and cash flow analysis required

Expansive problem solving skills and the ability to blend technical knowledge and good business judgment when making loan decisions

Excellent communication skills, both verbal and written

Excellent interpersonal skills, ability to motivate underwriters individually and in a team environment as well as flexibility to work with various levels of sales and market personnel

Proven leadership skills including coaching, counseling and mentoring of underwriting staff

Proven excellent organizational, multi-tasking, analytical, time management and decision-making skills

Demonstrated ability to manage multiple priorities ensuring adherence to required turnaround times

Comprehensive knowledge of commercial loan laws and regulations required

Advanced PC skills (Microsoft Office)

Small Business Administration/Agency experience preferred

Work Location:

1 Portland Square, 1100 Lake Street, 125 Park Avenue Corporate, 141 South River Road, 1501 Main Street (Columbia), 1700 District Avenue, 180 Westminster Street, 200 State Street Corporate, 2059 Springdale Road, Greenville Campus Building A - 200 Carolina Point Parkway

Business Line:

TD Bank AMCB

Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

**Province/State (Primary):

Massachusetts

ProvState 2:

Massachusetts

ProvState 3:

Maine

ProvState 4:

New Hampshire

ProvState 5:

Rhode Island

ProvState 6:

New Jersey

ProvState 7:

New Jersey

ProvState 8:

New York

ProvState 9:

South Carolina

ProvState 10:

South Carolina

City (Primary):

Burlington

City(s) 2:

Boston

City(s) 3:

Portland

City(s) 4:

Bedford

City(s) 5:

Providence

City(s) 6:

Ramsey

City(s) 7:

Cherry Hill

City(s) 8:

New York

City(s) 9:

Greenville

City(s) 10:

Columbia

Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:

Regular

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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