<div><p><b>Work Location:</b></p>Greenville, South Carolina, United States of America<p></p><p><b>Hours:</b></p>40<p></p><p><b>Pay Details:</b></p>$100,000 - $150,000 USD<p></p><p>TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. </p><p></p><p>As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.</p><p></p><p><b>Line of Business:</b></p>Risk Management<p><b>Job Description:</b></p><p>As an experienced credit professional and individual contributor on the team, the Loan Review Commercial Examiner II independently conducts borrower file reviews within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios.</p><p></p><strong>Department Overview:<br/>As an expert credit professional, the Loan Review Commercial Examiner II serves as an individual contributor within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. The Loan Review Commercial Examiner II independently conducts borrower file reviews, in concert with leadership, relative to ongoing Examinations and continuous review testing activities.</strong><br/><p></p><p>Depth & Scope:</p><ul><li>Conducts independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration</li><li>Interprets and applies Regulatory feedback and requirements as well as Bank policies and credit standards and evaluates adherence of reviewed credits to these policies, credit standards, risk limits and Regulatory guidance</li><li>Analyzes and interprets borrower specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk</li><li>Utilizes independent judgment and subject matter expertise to develop and provide management with a risk rating assessment for all borrowers reviewed, ultimately in support of the Bank's Expected Loss determination</li><li>Participates in and contributes to risk rating discussions, both internally and with Line of Business partners</li><li>Utilizes and applies subject matter expertise in development of job aids in support of Examination activities</li><li>Interacts independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews. Works productively to resolve any discrepancies and disputes with lending and credit management, incorporating Line of Business feedback in final assessments, where appropriate</li><li>Maintains an expert working knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews. Initiates independent professional development to stay well informed on credit products and structures, industry trends and regulatory changes</li><li>Produces workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review</li><li>Manages workflow in accordance with department standards</li><li>Aids and assists in the professional development of other Commercial Examiners as deemed appropriate.</li><li>Maintains confidentiality of customer information at all times.</li><li>Performs other related duties as required</li></ul><p></p><strong>Preferred Qualifications:</strong><br/><ul><li><strong>Highly competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions</strong><br/></li><li><strong>Able to work well with and influence others over whom they have no direct management control</strong><br/></li><li><strong>Effective collaboration and coaching via strong spoken and written communication</strong><br/></li><li><strong>Highly organized and attentive to detail</strong><br/></li><li><strong>Able to make observations and connections that may highlight potential credit risk</strong><br/></li><li><strong>Able to determine, support, and advocate for a position based on available data and knowledge</strong><br/></li><li><strong>Able to effectively communicate potential credit risk up to Exam Management</strong><br/></li><li><strong>Able to navigate well potentially contentious circumstances</strong><br/></li></ul><p></p><p>Education & Experience:</p><ul><li>Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration, but actual work experience can offset a different degree type</li><li>Minimum of 5 years Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending or Regulatory examinations</li><li>Strong knowledge of Commercial lending and credit analysis with demonstrated experience in corporate, syndicated and leveraged loans highly desired</li><li>Excellent verbal and written communication skills</li><li>Must be able to compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to business management.</li><li>Must be able to present well-formed and supported opinions of process, procedure and credit risk condition to business management</li><li>Must be able to prioritize and organize assignments and meet strict deadlines</li><li>Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems</li></ul><p></p><p>Physical Requirements:</p><p>Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%</p><ul><li>Domestic Travel – Occasional</li><li>International Travel – Never</li><li>Performing sedentary work – Continuous</li><li>Performing multiple tasks – Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds – Occasional</li><li>Sitting – Continuous</li><li>Standing – Occasional</li><li>Walking – Occasional</li><li>Moving safely in confined spaces – Occasional</li><li>Lifting/Carrying (under 25 lbs.) – Occasional</li><li>Lifting/Carrying (over 25 lbs.) – Never</li><li>Squatting – Occasional</li><li>Bending – Occasional</li><li>Kneeling – Never</li><li>Crawling – Never</li><li>Climbing – Never</li><li>Reaching overhead – Never</li><li>Reaching forward – Occasional</li><li>Pushing – Never</li><li>Pulling – Never</li><li>Twisting – Never</li><li>Concentrating for long periods of time – Continuous</li><li>Applying common sense to deal with problems involving standardized situations – Continuous</li><li>Reading, writing and comprehending instructions – Continuous</li><li>Adding, subtracting, multiplying and dividing – Continuous</li></ul><p></p><p>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.</p><p></p></div>