Loan Review Commercial Examiner II

🔥 17 hours ago

🏖️ New Jersey – Remote

🏖️ New Jersey – Remote

💵 $100k - $150k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🦅 H1B Visa Sponsor

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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

• Independently conduct borrower file reviews across diverse Commercial loan portfolios • Assess underwriting adequacy, portfolio monitoring, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration • Interpret and apply Regulatory feedback, requirements, Bank policies, credit standards, risk limits, and Regulatory guidance • Analyze borrower information, repayment capacity, management capability, covenant adherence, legal documentation, and industry risk • Develop and provide management with risk rating assessments supporting the Bank's Expected Loss determination • Participate in risk rating discussions with internal stakeholders and Line of Business partners • Develop job aids supporting Examination activities • Interact with lending and credit management staff to resolve discrepancies and disputes • Maintain expert knowledge of Bank credit policies and procedures and pursue professional development • Produce workpapers documenting review findings for Loan Review management, Line of Business partners, and Regulatory review • Manage workflow according to department standards • Assist with professional development of other Commercial Examiners • Maintain customer information confidentiality and perform other related duties

🎯 Requirements

• Bachelor's Degree in business or related field required • Strong preference for Finance or Accounting major or concentration; actual work experience can offset a different degree type • Minimum of 5 years Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending or Regulatory examinations • Strong knowledge of Commercial lending and credit analysis • Demonstrated experience in corporate, syndicated and leveraged loans highly desired • Excellent verbal and written communication skills • Ability to compile review data and interpret it in narrative and analytical form • Ability to present well-formed and supported opinions of process, procedure and credit risk condition to business management • Ability to prioritize and organize assignments and meet strict deadlines • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products and custom applications and systems • Highly competent in commercial credit analysis, credit risk assessment, and risk rating via Regulatory definitions • Ability to work well with and influence others without direct management control • Ability to navigate potentially contentious circumstances • Ability to maintain confidentiality of customer information • Ability to perform sedentary work continuously and operate standard office equipment continuously • Occasional domestic travel; no international travel

🏖️ 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 • Online learning platform • Mentoring programs • Training and onboarding sessions • Occasional domestic travel