New York, New York
Credit Specialist II - Commercial Real Estate
The Corporate and Specialty Banking Credit Specialist II is responsible for ensuring quality and compliance within the assigned Commercial Real Estate 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 Commercial Real Estate Relationship Managers and Credit Officer to ensure consistency with the TD Bank Group’s Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.
•Performs in depth credit analysis in partnership with Relationship Manager on potential and existing Commercial Real Estate customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. Analysis includes but is not limited to, liquidity/cash flow sensitivity, market and industry sector.
•Experience with analysis of publicly-traded REITs and private equity funds a plus.
•Partners with the CRE 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 Commercial Real Estate borrowers; Applications shall include new transactions, extensions, modifications, renewals, Annual Reviews, Portfolio Reviews, and Criticized Asset Reports.
•Ensures credit applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank’s profitability objectives.
•Manages a portfolio of primarily secured loans to Special Purpose Entities. 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.Job Requirements
•4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered
*7-10 years' experience in related field.
•Strong credit underwriting and administration skills.
•Ability to identify and mitigate risk.
•Ability to provide value-add structuring alternatives for complex credits.
•Strong written and verbal communication skills with demonstrated understanding of business acumen.
•Solid interpersonal skillsQualifications
•Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding in Commercial Real Estate
*Asset Management experience preferred
•Superior ability to identify and mitigate risk.
•Ability to provide value-add structuring alternatives for highly complex credits.
•Solid interpersonal skills.
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