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TD Bank Credit Specialist I (Healthcare and Emerging Markets) in Providence, Rhode Island


Job Title:

Credit Specialist I (Healthcare and Emerging Markets)

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

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United States

Job Requirements:

• 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 adhere to AIRB methodology and address TD Banks profitability objectives

• Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions

• Is knowledgeable of and operates 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 TDs risk management strategy (both credit and operational)

• Understands changing market conditions and remain knowledgeable of relevant industry issues

• Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, signing off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities



Job Description:

Job Profile Summary

The CSB Credit Specialist I 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 I performs the credit underwriting and credit administration functions. The CSB Credit Specialist I 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.


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


Massachusetts, New Hampshire, Rhode Island


Boston, Portsmouth, Providence


• 4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered

• Minimum 7 years' experience in related field

• Strong credit underwriting and administration skills

• Ability to identify and mitigate risk

• Ability to provide value-add structuring alternatives for complex credits

• Strong written and verbal communication skills with demonstrated understanding of business acumen

• Solid interpersonal skills

• Customer focused

• Strong planning and organizational skills.

• Ability to problem solve in less complex situations

• Technologically proficient

Work Location:

200 State Street Corporate

Business Line:


Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

**Province/State (Primary):


ProvState 2:

New Hampshire

ProvState 3:

Rhode Island

City (Primary):


City(s) 2:


City(s) 3:


Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:


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

Important Disclosure Regarding Deposit Insurance on Noninterest-bearing Transaction Accounts (FDIC)

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and may be subject to investment risk, including possible loss of value.

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