• The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors
• The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite
• The CSB Credit Specialist II performs the credit underwriting and credit administration functions
• The CSB Credit Specialist II works to achieve credit management objectives within the team

The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios

• Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
• Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines
• Attends site visits and prospect/customer calls as needed or as requested
• With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
• Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives
• Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions

Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines

• Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Interprets and applies TDs risk management strategy (both credit and operational)
• Understands changing market conditions and remain knowledgeable of relevant industry issues

Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities

• Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
• Domestic Travel - Occasional
• Performing sedentary work - Continuous
• Performing multiple tasks - Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds - Occasional
• Sitting - Continuous
• Standing - Occasional
• Walking - Occasional
• Moving safely in confined spaces - Occasional
• Lifting/Carrying (over 25 lbs.)
• Squatting - Occasional
• Bending - Occasional
• Kneeling - Never
• Reading, writing and comprehending instructions - Continuous
• Adding, subtracting, multiplying and dividing - Continuous

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role

• 7+ years' experience in related field
• Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding
• Superior ability to identify and mitigate risk
• Ability to provide value-add structuring alternatives for highly complex credits
• Strong written and excellent verbal communication skills with solid business acumen
• Solid interpersonal skills
• Customer focused
• Strong planning and organizational skills
• Ability to problem solve in more complex situations
• Technologically proficient
• Lifting/Carrying (under 25 lbs.)
• Concentrating for long periods of time - Continuous

Applying common sense to deal with problems involving standardized situations - Continuous

$120,000 - $198,000 USD

• TD is committed to providing fair and equitable compensation opportunities to all colleagues
• 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
• International Travel - Never
• Climbing - Never
• Reaching overhead - Never
• Reaching forward - Occasional
• Twisting - Never
• Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals

Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition

• Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home

You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities