Com'l Loan Officer III

Work Location

New York, New York, États-Unis d'Amérique

40

$124,280 - $186,160 USD

TD 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.

Services bancaires personnels et commerciaux

The Commercial Loan Officer III is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job will meet or exceed annual sales, revenue, volume & new customer objectives. The Commercial Loan Officer III will maximize 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.

• Originate and structure commercial real‑estate loans including (office, retail, industrial, multifamily, and mixed‑use properties)
• Establish and maintain relationships with developers, brokers, attorneys, and various CRE industry networking sources
• Analyze financial statements, rent rolls, operating statements, and market data to strategically apply to sound credit decision making
• Conduct cash flow and collateral analysis to assess transactional risk at hand
• Work with various internal business partners to collaborate on credit approval memos
• Negotiate loan terms and coordinate closings with outside legal counsel and internal underwriting teams
• Monitor loan portfolio performance and ensure compliance with credit policies
• Meet or exceed annual production and portfolio growth goals while maintaining sound credit quality and an extreme focus on ROI
• Desire to operate within a high paced environment and collaborate with multiple team members
• Experience with construction lending and development financing
• Familiarity with loan documentation and regulatory requirements

• Works independently to develop new business with prospects that have moderate and large complex credit needs.
• Maintains established market presence
• Makes calls independently
• Gathers related financial and general business information, participates in credit decision process and communicates with prospects to close sales
• 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
• 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
• Helps support Branch Managers and staff and educates them about products and the lending process
• Makes or assists in sales calls, gathers financial and general business information and explains products and services offered
• 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

• 4 year degree or equivalent experience
• 7+ years related experience
• Strong understanding of commercial business development techniques and credit decisions
• Demonstrates business development track record
• Strong market presence with wide network of outside referral sources for new business
• Demonstrates credit and financial analysis skills
• Refined negotiation skills
• Demonstrates communication skills,…