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Commercial Credit Underwriter II – SBA/C&I Portfolio Management
| Company | TD Bank |
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| Location | Greenville, SC, USA |
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| Salary | $33 – $54 |
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| Type | Full-Time |
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| Degrees | Bachelor’s |
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| Experience Level | Mid Level, Senior |
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Requirements
- Undergraduate degree preferred
- 4+ years of relevant commercial lending experience
- Prior lending authority preferred
- Proven analytical and research skills
- Strong understanding of credit underwriting and industry practices
- Previous experience with business and personal financial statement analysis
- Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
- Strong communication skills, both verbal and written
- Proven organizational, multi-tasking, analytical, time management and decision-making skills
- Ability to meet deadlines
- Strong interpersonal skills and a team orientation
- Ability to work with various levels of business partners
- Developed PC skills including proficiency and capability in word processing and spreadsheet software
- Computer literacy with a variety of software programs
- Small Business Administration/Agency experience preferred
Responsibilities
- Analyze, underwrite and may act as the final decision authority on commercial loan applications
- Ensure compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements
- Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits
- Underwrite loans and perform historical business financial analysis and cash flows
- Communicate with the borrower’s accountant to gain a better understanding of the company’s accounting practices
- Perform in-depth analysis of a guarantor’s financial position through a thorough investigation of personal financial statements
- Identify credit applications that require credit enhancements and decision respective applications accordingly
- Render final credit decision within individual lending authority limits
- Set conditions of lending and involvement with shared services functions as needed to expedite loan closings
- Maintain a satisfactory level of portfolio delinquencies and charge-offs
- Ensure departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements
Preferred Qualifications
- Prior lending authority preferred
- Small Business Administration/Agency experience preferred
