Commercial Portfolio Loan Officer II(US) - Special Mention and Classified

TD•Portland, ME

12d•$72,280 - $108,160•Onsite

About The Position

The Commercial Portfolio Loan Officer II provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily involving Special Mention and Classified-rated borrowers. The position evaluates borrower performance and credit risk to support sound credit decisions, develop risk-mitigation strategies, and protect the Bank’s asset quality. The role administers and monitors a medium-sized portfolio of complex commercial loans and begins managing loan relationships within the group. It maintains customer records, prepares detailed portfolio management reports, monitors credit administration and risk indicators, and may administer existing loans to ensure compliance with terms and complete documentation. The officer coordinates with operations and processing teams to ensure payments are collected and recorded, maintains current customer risk ratings, and may prepare criticized-asset reports and review memos. The position performs in-depth financial analyses and credit investigations in coordination with the credit department, contributes to loan decisions, and may use limited personal credit authority under a Relationship Manager’s direction. It may support commercial loan officers on sales calls, visit customers, manage assigned or shared accounts, and conduct periodic customer-site inspections. The officer also provides technical guidance to staff on complex work as needed.

Requirements

A four-year degree or equivalent experience.
At least 3 years of related experience.
In-depth understanding of the commercial credit decision process.
Excellent credit, financial analysis, and accounting skills.
Knowledge of commercial legal and regulatory guidelines.
Customer service and relationship-management skills, including a track record of building and expanding customer relationships.
High attention to detail.
Excellent verbal and written communication skills.
Good PC skills.

Responsibilities

Administer and monitor a medium portfolio of complex commercial loans.
Begin managing loan relationships within the group.
Maintain accurate and current customer records and files, and prepare in-depth management reports summarizing portfolio activity.
Monitor credit administration, exceptions, and risk management using common metrics.
Administer existing loans to ensure conformity with loan terms and adequate documentation; prepare criticized-asset reports and review memos as applicable.
Coordinate with operations and processing areas to ensure loan payments are collected and recorded.
Maintain current customer risk ratings and document appropriate comments in customer credit files.
Occasionally accompany loan officers on sales calls to assist with account details and implementation.
Provide technical guidance and assist staff with complex aspects of work as needed.
Coordinate with the credit department and conduct in-depth financial analyses and credit investigations to make decisions on line extensions and other loans.
Contribute input to group loan decisions based on credit risk and other key factors.
Visit customers independently or with commercial loan officers to maintain business relationships.
Manage assigned accounts and/or share account-management responsibilities with commercial loan officers.
Conduct periodic customer-site inspections to audit accounts and verify adherence to loan agreements and terms.
Use limited personal credit authority under the direction of the Relationship Manager, as applicable.