National Commercial Underwriting Mgr I (US)

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.

The National Commercial Underwriting Manager I manages the credit underwriting and credit administration functions for assigned portfolio, consistent with the TD Bank Group Risk Appetite Principles. Establishes the credit structure, Borrower Risk Ratings and Facility Risk Ratings (where applicable) for new and existing credit relationships. The job directs the Centralized Credit Management staff within its assigned teams in the monitoring of the portfolio and/or origination of new credit exposure. The job manages a team of commercial credit professionals including Commercial Credit Underwriters. 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 Manages a commercial underwriting team that adjudicates credits with a variety of complexities. Leads a team of Commercial Credit Underwriters. Guides the team to properly structuring new and existing credit exposure within the bank's risk appetite. Ensures adherence to Risk Policies, implements operational risk processes, policies, and practices and drives satisfactory regulatory audits, loan review, internal audits, and compliance audits. Possesses loan decision authority up to position authority limits as defined in credit policy Expected to attain and exercise exception and high-risk loan authority Takes part in decision appeal discussion with sales management and/or credit risk management Acts as a leader and participates in the on-going development of your Underwriting team Considers and discusses alternative structures such as SBA and other agencies and overall assessments with market, sales personnel Contributes to discussions of policy and standards adjustments with senior management team Drives team to meet turnaround requirements in a loan production environment, while maintaining strong quality of work produced Maintains a satisfactory level of portfolio delinquencies and charge-offs Ensures departmental compliance with TD Bank Credit Policy and Credit Standards, Federal Banking Regulation and Government Reporting requirements. Contribute to organizational strategic initiatives such as process improvement, system enhancements, process workflow Builds and maintains productive relationships with all business partners within the Commercial Bank and encourages team to do the same Coaches the Credit Managers and Underwriters in developing value-added credit solutions for our customers that are consistent with the TD Bank Group Risk Appetite Principles Drive employee satisfaction and morale Education & Experience: Undergraduate degree preferred 10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience Prior lending authority >/= $1 million preferred Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred Prior people management experience preferred Proven leadership abilities Ability to