Work Location:
Burlington, Vermont, United States of America
Hours:
40
Pay Details:
$150,000 - $226,000 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 at TD. Our 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.
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Line of Business:
Risk Management
Job Description:
As a long-tenured commercial credit expert, the Loan Review Examination Group Manager serves as both an Examiner-in-Charge and a personnel manager of a team of professional Commercial Examiners. The Examination Group Manager plans, leads, and ultimately reports out on large scale examinations. The role is responsible for identifying and effectively communicating complex findings to Loan Review senior management as well as Bank senior Commercial Credit and Credit Risk management. The role is also responsible for the direct management and professional development of a Team of Commercial Examiners.
Depth & Scope:
- Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
- Serves as Examiner In Charge for a variety of commercial examinations across various industries and business units.
- Plans for exams by identifying in-scope population and sample, preparing planning documentation, identifying Examiner resources and needs and appropriately addressing same, making workload assignments, and preparing and conducting Examiner kickoff meeting
- Provides Examiners with high quality, useful, intuitive Job Aids to assist in exam completion
- Serves as a resource throughout the examination process to quickly and clearly address Examiner questions or roadblocks
- Reviews and provides high quality feedback regarding Examiner work to ensure accuracy, consistency of execution, and quality of conclusions
- Monitors examination work in process to proactively escalate potential risk issues and drive timely completion of Examiner file work and ultimate report delivery to the Line of Business
- Serves as an expert resource relative to all Policy and Regulatory matters; knows, understands, and appropriately applies commercial Regulatory guidance
- Maintains an excellent working knowledge of Bank credit policies and procedures to measure appropriate adherence. Stays well informed on credit products and structures, industry trends and regulatory changes
- Proactively escalates potential concerns and issues to Loan Review and Bank senior management, where appropriate, with potential solutions already derived
- Produces high quality reports, requiring minimal revision, documenting examination findings for presentation to senior Bank management
- Interacts professionally and productively, whether verbally or in writing, with senior Bank credit management and credit risk staff to resolve any discrepancies and disputes while maintaining appropriate third line of defense independence and Regulatory perspective
- Liaises well with related Commercial Portfolio Monitoring staff in exam planning, execution, and delivery of results to Bank senior management
- Trains and develops Examiners both with regard to specific examinations and relative to long-term professional development and enhancement of Loan Review department capabilities
- Professionally completes all personnel management responsibilities including regular periodic Team meetings, quarterly performance check-ins, annual development planning, reward and recognition, performance improvement plans, as well as the design and implementation of advancement opportunities
- Proactively provides input to the Commercial Examination Director as to strategic direction relative to exam planning and Loan Review process improvement
- Utilizes skills and abilities to proactively improve Loan Review department process and product
- Compiles data collected during examinations and interprets the data in narrative and analytical form to present findings to senior Loan Review and Bank management
- Performs other related duties as required
Education & Experience:
- Bachelor's Degree in business or related field required. Strong preference for Finance or Accounting major or concentration, but extensive work experience can offset a different degree type
- Minimum of 15 years Commercial credit experience in loan review, credit underwriting/analysis, credit management, credit risk management, Commercial lending or Regulatory examinations
- Strong knowledge of Commercial lending and credit analysis with proven experience in corporate, syndicated and leveraged loans
- Excellent verbal and written communication skills
- Must be able to present well-formed and supported opinions of process, procedure and credit risk condition to senior management
- Must be able to prioritize and organize assignments and meet strict deadlines
- Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems
Preferred Requirements:
- Minimum of 5 years of people leadership experience with direct personnel responsibilities to include annual reviews, coaching, feedback sessions
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.
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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 in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition. Learn more
Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.