Commercial Credit Underwriter III

Analyze, underwrite, and potentially make final decisions on commercial loan applications.,Ensure compliance with established underwriting guidelines, quality and production guidelines, Federal Banking Regulations, and Government Reporting requirements.,Responsible for basic financial analysis of less complex loans/industries/Customers.,Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits.,Underwrite loans and perform historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed).,Mentor and participate in the on-going development of the Underwriting Staff.,Consider and discuss alternative structures and overall assessments with market, sales personnel.,Meet turnaround requirements of a loan production environment.,Maintain a satisfactory level of portfolio delinquencies and charge-offs.,Ensure departmental compliance with TD Bank Credit Policy.,Perform in-depth analysis of a guarantor's financial position.,Investigate available sources of credit and financial information.,Research economic and market conditions relating to the company, industry and market area.,Note any deviations from loan policy and identify/mitigate key credit risks.

Undergraduate degree preferred.,8+ years of relevant Commercial lending experience.,Proven analytical and research skills.,Prior lending authority strongly preferred.,Demonstrated problem-solving skills and the ability to blend technical knowledge and good business judgment.,Proven organizational, multi-tasking, analytical, time management and decision-making skills.,Ability to meet deadlines.,Strong communication skills, both verbal and written.,Strong interpersonal skills and a team orientation.,Ability to work with various levels of business partners.

Undergraduate degree preferred