Sr. Loan OfficerTD Bank • New York, NY, US

Sr. Loan Officer

TD Bank • New York, NY, US

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Sr. Commercial Loan Officer

The Sr. Commercial Loan Officer is an external sales role which focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. The Sr. Commercial Loan Officer maximizes profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.

Depth & Scope :

Works independently to develop new business with prospects that have the largest and most complex credit needs
Maintains established market presence and extensive network of outside referral sources of new business
Understands how to structure the most complex deals
Prepares basic management reports summarizing loan activity
Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
Compiles necessary data and information to begin financial analysis
Negotiates specific terms and conditions within parameters defined by credit decisions
Finalizes loan agreements with prospects and Customers and closes sales
Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
Assists in the development of less experienced loan officers
Educates Branch Managers and staff about products and the lending process
Communicates credit decisions to prospects and negotiates specific terms and conditions for loans within parameters defined by credit decisions
Responsible for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new Commercial Customers and cross selling existing Customers as well as an established network of resources

Education & Experience :

4 year degree or equivalent experience

10+ years related experience

In-depth understanding of commercial industry, business development techniques and credit decisions

Proven business development track record, with proven ability to conceptualize and implement effective new business strategies

Extensive network of outside referral sources for new business

Excellent credit and financial analysis skills

Refined negotiation skills

Proven communication skills, both verbal and written

Proven PC skills

Membership in civic and professional organizations required

Preferred Qualifications :

Experience with Low Income Housing Tax Credits, Tax-exempt bond financing, and other forms of affordable housing finance, particularly in New York

Experience with construction lending organization and monitoring

Customer Accountabilities :

Understands and supports the Bank's Customer Service Strategy

Considers the impact of decisions on the well-being of TD, its Customers and stakeholders

Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity

Models quality service delivery at every interaction

Leads and contributes to the ongoing improvement of the partner / Customer experience

Shareholder Accountabilities :

Participates in civic activities to promote growth and development of the community and a positive image for TD

Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with Best Run concepts and overall enterprise strategy and objectives

Participates in establishing and executing plans and goals for the Business to drive toward results

Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies

Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TDs scale and operating model

Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization

Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite

Successfully completes all required job specific, compliance-related training

Understands, utilizes and follows Compliance / Risk and control programs

Consults with all risk functions in the development and documentation of policies, procedures and controls, for all department processes

Ensures ongoing compliance with internal / external audit and regulatory requirements

Provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings

Maintains appropriate records of action plans

Employee / Team Accountabilities :

Be engaged in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experience

Participates fully as a member of the team and contribute to a positive work environment

May provide leadership, training, and guidance to other team members

Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest

Actively shares information and knowledge, and proactively learns from the expertise of others

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 :

Our Total Rewards package reflects the investments we make

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Loan Officer • New York, NY, US