Credit Management Associate III (US)

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.  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.

The Credit Management Associate III provides ongoing support to an assigned commercial customer account portfolio within Credit Management .  The Associate will be involved in origination requests and ongoing portfolio administration throughout the lifecycle of each account.  The Associate will ensure that all required processes are completed in accordance with Bank standards and procedures while driving data accuracy and quality control to avoid losses and reduce undue risk. The Associate works with lending and credit management personnel on customer requests to determine and collect critical information from a variety of sources, third parties, and internal partners for utilization in key tasks within the loan origination and portfolio management systems. During each phase of an account's lifecycle, the Credit Management Associate III will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate III will serve as an expert in commercial lending process and be a resource for others. Depth & Scope: Manages an assigned account portfolio for new and existing commercial customers to provide consistent professional service and support throughout the total lifecycle of each account   Assists with the uploading of due diligence recieved during underwriting, to the image repostitory system, in prepartion of Loan Specialist assignment. May assist in preparing the most basic financial analysis of less complex loans / industries/ Customers, maintaining credit file, financial statement and assist with analysis memos                  Input necessary information into loan origination system to generate loan documents; Assists with closing of new loan accounts and submits information for boarding; assists loan team in preparing a complete approval package in preparation for closing.  Works closely with Credit Management team in supporting basic underwriting functions including spreading of financial statements May assist in research of industry specific information from outside sources, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet Assist Credit Management with clearing and management of exceptions Supports and assists Credit Management CCM team with reporting, loan activities, delinquencies and tracking in loan information May generate and distribute reports to the Credit Management team, as needed. Manages a loan pipeline from origination through booking in accordance with Bank policies and procedures Works independently in resolving more complex issues relating to origination process through booking Follows quality control procedures to verify records contain proper content using checklist and other tools May create/manage/confirm TD document changes and inputs are consistent with system requirements Evaluates best course of action taking into account bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors