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About The Position

Requirements

• 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

Nice To Haves

• Experience with secured construction, term, and multi-asset pool lending
• Familiarity with loan documentation and regulatory requirements

Responsibilities

• Originate and structure commercial real estate loans including (retail, industrial, multifamily, office and mixed-use properties)
• Establish and maintain relationships with developers, attorneys, brokers and various CRE industry networking sources
• Analyze financials, cash flows, rent rolls, operating statements, collateral, market data for sound credit decisioning
• Work with internal business partners to complete credit discussion or approval memos
• Negotiate loan terms and coordinate closings with outside legal counsel and internal underwriting teams
• Monitor loan portfolio performance and ensure compliance
• Meet or exceed annual production and portfolio growth goals while maintaining sound credit quality and acceptable ROE
• Operate well within a high paced environment and collaborate with multiple team members
• Experience with secured construction, term, and multi-asset pool lending
• Familiarity with loan documentation and regulatory requirements
• 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
• 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
• 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
• 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

Benefits

• health and well-being benefits
• savings and retirement programs
• paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
• banking benefits and discounts
• career development
• reward and recognition