National Commercial Underwriting Manager I – State & Muni Vertical

National Commercial Underwriting Manager I – State & Muni Vertical

Requirements

• Strong underwriting skills and knowledge of municipal lending and governmental accounting
• Proven leadership and organizational skills
• Ability to multi-task and meet deadlines
• Strong communication skills, both verbal and written
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Proven analytical and research skills
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Demonstrated understanding of value-add credit structuring in a commercial banking environment
• Computer literacy with a variety of software programs
• Demonstrated credit underwriting and administration skills
• Proven ability to identify and mitigate risk
• Excellent planning and organizational skills
• Customer focused

Responsibilities

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• Manages a commercial underwriting team that adjudicates credits with a variety of complexities
• Leads a team of Commercial Credit Underwriters
• Guides the team to properly structuring new and existing credit exposure within the bank’s risk appetite
• Ensures adherence to Risk Policies, implements operational risk processes, policies, and practices and drives satisfactory regulatory audits, loan review, internal audits, and compliance audits
• Possesses loan decision authority up to position authority limits as defined in credit policy
• Expected to attain and exercise exception and high-risk loan authority
• Takes part in decision appeal discussion with sales management and/or credit risk management
• Acts as a leader and participates in the on-going development of your Underwriting team
• Contributes to discussions of policy and standards adjustments with senior management team
• Drives team to meet turnaround requirements in a loan production environment, while maintaining strong quality of work produced
• Maintains a satisfactory level of portfolio delinquencies and charge-offs
• Ensures departmental compliance with TD Bank Credit Policy and Credit Standards, Federal Banking Regulation and Government Reporting requirements
• Builds and maintains productive relationships with all business partners within the Commercial Bank and encourages team to do the same
• Coaches the Credit Managers and Underwriters in developing value-added credit solutions for our customers that are consistent with the TD Bank Group Risk Appetite Principles
• Drive employee satisfaction and morale

Preferred Qualifications

• Undergraduate degree preferred
• 10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience
• Prior lending authority >/= $1 million preferred
• Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred
• Prior people management experience preferred
• Proven leadership abilities