Hours

　　40

　　Pay Range

　　$108,160 - $175,760 annually

　　Department Overview

　　As an expert credit professional, the Loan Review Senior Commercial Examiner serves as both a team leader and individual contributor within the scope of Examinations and continuous review testing activities across the Bank's broad range of Commercial loan portfolios. The Senior Commercial Examiner independently conducts borrower file reviews, evaluates and responds to reviews completed by other Commercial Examiners, and provides leadership, in concert with the Examiner-In-Charge, relative to ongoing Examinations and continuous review testing activities.

　　Job DetailsServes as Team Lead for examinations. Plans for resources, workload assignments and monitors examination work in process throughout the examination; conducts and participates in the examination. Reads, assesses, and provides feedback regarding reviews completed by other Commercial Examiners to ensure accuracy, consistency and quality of assessments and conclusions Conducts independent, high quality, comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios to assess underwriting adequacy, portfolio monitoring activities, documentation adequacy, collateral valuations, risk rating accuracy, and problem loan administration Interprets and applies Regulatory feedback and requirements as well as Bank policies and credit standards and evaluates adherence of reviewed credits to these policies, credit standards, risk limits, and Regulatory guidance Analyzes and interprets borrower specific information, including an independent assessment of repayment capacity, management capability, covenant adherence, legal documentation, and industry risk Utilizes independent judgment and subject matter expertise to develop and provide management with a risk rating assessment for all borrowers reviewed, ultimately in support of the Bank's Expected Loss determination Participates in and contributes to risk rating discussions, both internally and with Line of Business partners. Utilizes and applies subject matter expertise in development of job aids in support of Examination activites and other less-experienced Examiners Interacts independently and professionally, both verbally and in writing, with lending and credit management staff in conjunction with loan reviews. Works productively to resolve any discrepancies and disputes with lending and credit management, incorporating Line of Business feedback in final assessments, where appropriate Maintains an expert knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews. Initiates professional development to stay well informed on credit products and structures, industry trends and regulatory changes Produces workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review Aids and assists in the professional development of other Commercial Examiners Maintains confidentiality of customer information at all times Performs other related duties as required

　　Job RequirementsMust be eligible for employment under regulatory standards applicable to the position. Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration, but actual work experience can offset a different degree type Minimum of 10 years Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending or Regulatory examinations Expert knowledge of Commercial lending and credit analysis with extensive experience in corporate, syndicated and leveraged loans highly desired Excellent verbal and written communication skills Must be able to independently compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to senior business management Must be able to present well-formed and supported opinions of process, procedure and credit risk condition to senior business management Must be able to prioritize and organize assignments and meet strict deadlines Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems

　　Company Overview

　　Our Values

　　At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.

　　Making Your Well-being a Priority

　　A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.

　　Our Total Rewards Package

　　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.

　　How We Work

　　At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they'll always have access to the TD community to experience our culture of care.

　　Who We Are

　　TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

　　Inclusiveness

　　Our Commitment to Diversity, Equity, and Inclusion

　　At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

　　EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

　　Accommodation

　　If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

　　How We're Helping Make an Impact in Communities

　　TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

　　We look forward to hearing from you!

　　h1.copyHeading{margin-top:0px;