Commercial Credit Underwriter III - SBA

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* Work Location:

** Mount Laurel, New Jersey, États-Unis d'Amérique
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* Hours:

** 40
* * Pay Details:**$43.75 - $70.00 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
** Line of Business:
** Services bancaires personnels et commerciaux
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* Job Description:

**** Department Overview:
** The Commercial Credit Underwriter III is a member of the Small Business SBA Credit Team within SBA Credit Management at TD Bank. The Small Business SBA Team is responsible for the underwriting and adjudication of SBA 7a loan requests with up to $1 million in Total Credit Exposure. The Team is also responsible for handling modification requests of existing SBA 7a loans within the portfolio.

The CCU III role will work collaboratively with the SBA Relationship Manager and Business Banker to properly structure the request to meet SBA SOP and TD Bank policy requirements in accordance with the Bank's Risk Appetite.

The above details are specific to the role which is outlined in the general description below.

The Commercial Credit Underwriter III analyzes, underwrites and may act as the final decision authority on commercial loan applications while following sound lending practices, policies and procedures. The Commercial Credit Underwriter III ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements. Responsible for basic financial analysis of less complex loans/industries/Customers.
** Depth & Scope:
*** May possess loan decision authority up to position authority limits as defined in credit policy
* Expected to attain  exception and high-risk authority
* Acts as a mentor and participates in the on-going development of the Underwriting Staff
* Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to  highest authority limits
* Underwrites  loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices
* Performs in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing  cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/  l
* Investigate available…