Credit Management Regional Head – Commercial Real Estate

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🗽 New York, Massachusetts – Remote

🗽 New York – Remote 🍂 Massachusetts – Remote

💵 $225k - $250k / year

⏰ Full Time

🔴 Lead

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TD

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1855

🏦 Banking

💸 Finance

🛡️ Insurance

💰 Grant on 2023-10

Banking • Finance • Insurance

TD is one of North America's biggest banks offering a wide range of banking services including personal and business banking, insurance, wealth management, and securities. TD is committed to sustainability, diversity, equity, and inclusion, ensuring a supportive and inclusive workplace where employees are empowered to grow. The bank provides various roles and career opportunities across different regions with a focus on community impact and professional development. TD's culture is defined by care and respect, aimed at benefiting their business performance, customers, and communities.

📋 Description

• Manage credit underwriting and credit administration for a large and complex regional portfolio or Specialty Banking product vertical • Establish credit structures, Borrower Risk Ratings, and Facility Risk Ratings for new and existing credit relationships • Lead Market Credit Managers, Senior Portfolio Specialists, Credit Specialists, and Credit Analysts • Manage regional credit operational risk while driving profitable business growth • Participate early in deal structuring with the Regional Director or Team Lead and Credit Risk Management • Sponsor and advance transactions through the approval process • Ensure adherence to risk policies, operational risk processes, and underwriting guidelines • Ensure timely and consistent underwriting and closing of new and existing credit relationships • Direct annual reviews, renewals, and loan covenant compliance reviews • Lead commercial loan structuring, pricing models, RAROC, Maestro, and loan reporting systems • Balance business development, loan pricing, and credit risk • Structure creative and competitive solutions for complex customer needs • Monitor macroeconomic, industry, and business-environment changes and establish action plans • Escalate regional credit issues to the Regional Director or Team Lead and Credit Risk Management • Ensure staff operate within TD Bank Group Risk Appetite Principles and regulatory and compliance guidelines • Approve loans and annual reviews within delegated authority and make recommendations on other applications • Build relationships with business partners across the Division and TD Bank, NA • Coach credit management staff on value-added, compliant credit solutions • Ensure responses to regulatory, Audit, and Credit Risk Review inquiries

🎯 Requirements

• 4-year undergraduate degree required; advanced degree in a financial discipline preferred • 10+ years of experience in a related field • In-depth understanding of the real estate industry • Knowledge of business development techniques and credit decisions • Excellent credit underwriting and administration skills • Superior ability to identify and mitigate risk • Understanding of value-add credit structuring in a commercial banking environment • Excellent written and verbal communication skills and business acumen • Excellent interpersonal skills • Customer-focused approach • Ability to lead and manage people • Superior planning and organizational skills • Proven ability to solve complex problems • Technological proficiency • Ability to comply with TD Bank Group Risk Appetite Principles and applicable regulatory and compliance requirements, including Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security

🏖️ Benefits

• Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards • 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 • Reward and recognition • Regular career, development, and performance conversations with a manager • Access to an online learning platform • Mentoring programs • Training and onboarding sessions • Accommodation support during the application process