Commercial Credit Underwriter II (US)

May possess loan decision authority up to position authority limits as defined in credit policy,May possess exception and high-risk authority,Acts as a mentor and participates in the on-going development of the Underwriting Staff,Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits,Underwrites loans and performs historical business financial analysis and cash flows,Communicates with the borrower's accountant (as needed) to gain a better understanding of accounting practices,Performs in-depth analysis of a guarantor's financial position, including investigating personal financial statements, contingent liabilities, global cash flow analysis, personal tax returns, and credit reporting documentation,Investigates available sources of credit and financial information,Researches economic and market conditions relating to the company, industry, and market area,Notes any deviations from loan policy, procedures, and guidelines and identifies/mitigates key credit risks,Decisions appropriate structures to reduce credit risk,Identifies credit applications that require credit enhancements and decisions respective applications,May render final credit decision within individual lending authority limits based on various analyses,Considers and discusses alternative structures and overall assessments with market, sales personnel, and Customers,Sets conditions of lending and involves shared services functions as needed to expedite loan closings,Meets turnaround requirements of a high-volume loan production environment while maintaining strong quality,Maintains a satisfactory level of portfolio delinquencies and charge-offs,Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation, and Government Reporting requirements

Undergraduate degree preferred,4+ years of relevant commercial lending experience,Prior lending authority preferred,Previous experience with business and personal financial statement analysis,Developed PC skills including proficiency and capability in word processing and spreadsheet software,Computer literacy with a variety of software programs,Small Business Administration/Agency experience preferred

Undergraduate degree preferred

Occasional Domestic Travel