Affordable Housing Credit Specialist II
Company: TD Bank
Location: Charlotte
Posted on: March 19, 2023
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Job Description:
**401288BR****Job Title:**Affordable Housing Credit Specialist
II**TD Description:****About TD Bank, America's Most Convenient
Bank -**TD Bank, America's Most Convenient Bank, is one of the 10
largest banks in the U.S., providing over 9.8 million customers
with a full range of retail, small business and commercial banking
products and services at more than 1,100 convenient locations
throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas
and Florida. In addition, TD Auto Finance, a division of TD Bank,
N.A., offers vehicle financing and dealer commercial services. TD
Bank and its subsidiaries also offer customized private banking and
wealth management services through TD Wealth -. TD Bank is
headquartered in Cherry Hill, N.J. To learn more, visit
www.td.com/us . Find TD Bank on Facebook at www.facebook.com/TDBank
and on Twitter at www.twitter.com/TDBank_US and
www.twitter.com/TDNews_US .TD Bank, America's Most Convenient Bank,
is a member of TD Bank Group and a subsidiary of The
Toronto-Dominion Bank of Toronto, Canada, a top 10 financial
services company in North America. The Toronto-Dominion Bank trades
on the New York and Toronto stock exchanges under the ticker symbol
"TD". To learn more, visit www.td.com .We offer a competitive
salary and benefit program, including: comprehensive, affordable
health care through medical, dental, and vision coverage; financial
security with life and disability insurance; opportunities to save
using health savings and flexible spending accounts; retirement
benefits to help prepare for the future; paid time off and
work/life benefits to maintain a good balance.**Auto req
ID:**401288BR**Department Overview:**The Affordable Housing 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.**Country:**United States**Job Requirements:**+ Must
be eligible for employment under regulatory standards applicable to
the position.**Hours:**40**Job Description:**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 proceduresInterprets 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.**Inclusiveness:**At TD, we are committed to
fostering an inclusive, accessible environment, where all employees
and customers feel valued, respected and supported. We are
dedicated to building a workforce that reflects the diversity of
our customers and communities in which we live in and serve, and
creating an environment where every employee has the opportunity to
reach their potential.If you are a candidate with a disability and
need an accommodation to complete the application process, email
the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com
. Include your full name, best way to reach you, and the
accommodation needed to assist you with the application
process.EOE/Minorities/Females/Veterans/Individuals with
Disabilities/Sexual Orientation/Gender Identity.**State:**Florida,
Massachusetts, North Carolina, New York, Pennsylvania,
Virginia**City:**Boston, Charlotte, Coral Gables, New York,
Philadelphia, Vienna**Qualifications:**4 year Undergraduate degree;
advanced degree in financial discipline preferred, other advanced
degree considered.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.**Work Location:**1
Vanderbilt Avenue Corporate**Business Line:**TD Bank AMCB**Job
Category - Primary:**Commercial Banking**Job
Category(s):**Commercial Banking**State (Primary):**New York**State
#2:**Virginia**State #3:**Pennsylvania**State
#4:**Massachusetts**State #5:**Florida**State #6:**North
Carolina**City (Primary):**New York**City #2:**Vienna**City
#3:**Philadelphia**City #4:**Boston**City #5:**Coral Gables**City
#6:**Charlotte**Job Family:**Commercial Lending**Time Type:**Full
Time**Employment Type:**Regular**Hours/Availability Detail:**8:30am
- 5:00pm**Pay Range:**$108,160 - $175,760 annuallyFederal law
prohibits job discrimination based on race, color, sex, sexual
orientation, gender identity, national origin, religion, age, equal
pay, disability and genetic information.
Keywords: TD Bank, Charlotte , Affordable Housing Credit Specialist II, Other , Charlotte, North Carolina
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