TD Bank
Credit Management Associate IV
The Collateral Center of Excellence (CCoE) is a centralized group of specially trained collateral experts that will manage, maintain, and monitor all collateral data needs for the commercial bank, throughout the loan lifecycle. This group will ultimately provide oversight for the Bank's collateral needs, and will ensure data quality, completeness, and accuracy. Responsibilities include managing collateral and the associated data through the life cycle of the loans, collateral data quality, working with other areas to capture, ensure quality control and maintenance of collateral filings across the loan lifecycle; and supporting required collateral inputs to various stakeholder reporting. The Credit Management Associate IV 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 will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate 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 received during underwriting, to the image repository system, in preparation of Loan Specialist assignment. Assists Credit Management with clearing and management of exceptions Capable of working independently and supporting accounts of larger size and complexity and/or larger volume of accounts, for a variety of lending types such as asset-based lending, corporate and commercial loans, commercial real estate finance (real estate mortgages, construction finance, and REITS), healthcare and higher education, and equipment finance Assigned accounts may include syndicated or participation loans, cash management accounts, workout, foreign exchange and international letters of credit Inputs 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. Ensures customer accounts are in good order through performing ongoing due diligence (such as tax, UCC, and judgment searches), monitor, track insurance renewals, and verify regulatory information is current and accurate, i.e. authorized signors, OFAC, beneficial owner/control prong and other KYC activities when required Assists with portfolio risk by monitoring maturities, loan review dates, and other compliance reporting requiring timely action 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 May assist Credit Management with clearing and management exceptions Performs lockdown control / QC Function post-approval of a customer request to verify approved terms by Credit Management and Credit Risk align to the loan origination system data Performs post boarding review of new loans on loan origination system to ensure data accuracy Coordinates credit facility renewals and modification which may involve execution of new loan documentation, modification of existing notes or other actions which may involve approved legal service providers or internal document preparation areas, as applicable Builds business relationships with Lending and Credit Management teams to determine appropriate contacts for assigned tasks Maintains a strong knowledge of process and procedure for commercial products and services and shares information with others as a subject matter expert. Will assist with process improvement and change communication relevant to assigned portfolio Serves as subject matter expert for the department Serves as a resource and assists with training Credit Management Associates Works independently in resolving more complex issues relating to origination process through booking May provide support with onboarding activities Education & Experience: 4 year degree or equivalent experience 4+ years related experience required Detailed knowledge of commercial lending products, credit policy, loan documentation and administration requirements and legal and regulatory guidelines Detailed knowledge of and experience applying commercial lending policy and procedures, including lending authority, loan structures, risk ratings, loan to value ratio and other related information Excellent Customer service skills, including ability to work with demanding Customers in complex lending relationships Strong analytical, problem solving and organizational skills and experience Flexible and adaptable to change, with ability to learn new tasks and systems quickly. Demonstrated ability to multi-task and learn quickly Math skills and accuracy with numbers and transactions required. Demonstrates strong attention to detail Strong time management skills resulting in successful completion of multiple priorities to meet objectives Excellent communications skills, both verbal and written PC skills, including extensive experience with and ability to troubleshoot specialized loan administration systems and software and ability to adapt to system changes Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel
Occasional International Travel
Never 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 (under 25 lbs.)
Occasional Lifting/Carrying (over 25 lbs.)
Never Squatting
Occasional Bending
Occasional Kneeling
Never Crawling
Never Climbing
Never Reaching overhead
Never Reaching forward
Occasional Pushing
Never Pulling
Never Twisting
Never Concentrating for long periods of time
Continuous Applying common sense to deal with problems involving standardized situations
Continuous Reading, writing and comprehending instructions
Continuous Adding, subtracting, multiplying and dividing
Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. 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. 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/
The Collateral Center of Excellence (CCoE) is a centralized group of specially trained collateral experts that will manage, maintain, and monitor all collateral data needs for the commercial bank, throughout the loan lifecycle. This group will ultimately provide oversight for the Bank's collateral needs, and will ensure data quality, completeness, and accuracy. Responsibilities include managing collateral and the associated data through the life cycle of the loans, collateral data quality, working with other areas to capture, ensure quality control and maintenance of collateral filings across the loan lifecycle; and supporting required collateral inputs to various stakeholder reporting. The Credit Management Associate IV 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 will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate 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 received during underwriting, to the image repository system, in preparation of Loan Specialist assignment. Assists Credit Management with clearing and management of exceptions Capable of working independently and supporting accounts of larger size and complexity and/or larger volume of accounts, for a variety of lending types such as asset-based lending, corporate and commercial loans, commercial real estate finance (real estate mortgages, construction finance, and REITS), healthcare and higher education, and equipment finance Assigned accounts may include syndicated or participation loans, cash management accounts, workout, foreign exchange and international letters of credit Inputs 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. Ensures customer accounts are in good order through performing ongoing due diligence (such as tax, UCC, and judgment searches), monitor, track insurance renewals, and verify regulatory information is current and accurate, i.e. authorized signors, OFAC, beneficial owner/control prong and other KYC activities when required Assists with portfolio risk by monitoring maturities, loan review dates, and other compliance reporting requiring timely action 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 May assist Credit Management with clearing and management exceptions Performs lockdown control / QC Function post-approval of a customer request to verify approved terms by Credit Management and Credit Risk align to the loan origination system data Performs post boarding review of new loans on loan origination system to ensure data accuracy Coordinates credit facility renewals and modification which may involve execution of new loan documentation, modification of existing notes or other actions which may involve approved legal service providers or internal document preparation areas, as applicable Builds business relationships with Lending and Credit Management teams to determine appropriate contacts for assigned tasks Maintains a strong knowledge of process and procedure for commercial products and services and shares information with others as a subject matter expert. Will assist with process improvement and change communication relevant to assigned portfolio Serves as subject matter expert for the department Serves as a resource and assists with training Credit Management Associates Works independently in resolving more complex issues relating to origination process through booking May provide support with onboarding activities Education & Experience: 4 year degree or equivalent experience 4+ years related experience required Detailed knowledge of commercial lending products, credit policy, loan documentation and administration requirements and legal and regulatory guidelines Detailed knowledge of and experience applying commercial lending policy and procedures, including lending authority, loan structures, risk ratings, loan to value ratio and other related information Excellent Customer service skills, including ability to work with demanding Customers in complex lending relationships Strong analytical, problem solving and organizational skills and experience Flexible and adaptable to change, with ability to learn new tasks and systems quickly. Demonstrated ability to multi-task and learn quickly Math skills and accuracy with numbers and transactions required. Demonstrates strong attention to detail Strong time management skills resulting in successful completion of multiple priorities to meet objectives Excellent communications skills, both verbal and written PC skills, including extensive experience with and ability to troubleshoot specialized loan administration systems and software and ability to adapt to system changes Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel
Occasional International Travel
Never 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 (under 25 lbs.)
Occasional Lifting/Carrying (over 25 lbs.)
Never Squatting
Occasional Bending
Occasional Kneeling
Never Crawling
Never Climbing
Never Reaching overhead
Never Reaching forward
Occasional Pushing
Never Pulling
Never Twisting
Never Concentrating for long periods of time
Continuous Applying common sense to deal with problems involving standardized situations
Continuous Reading, writing and comprehending instructions
Continuous Adding, subtracting, multiplying and dividing
Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. 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. 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/