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Commercial Portfolio Loan Officer II – Special Mention, Classified
TD. Provide underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily Special Mention and Classified-rated borrowers .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, with a strong focus on financial analysis and customer relationship management.
Highest-signal resume keywords
Commercial Credit Decision ProcessFinancial AnalysisCustomer Relationship ManagementCredit Risk EvaluationRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
UnderwritingCredit Risk OversightPortfolio ManagementFinancial AnalysisAccounting SkillsCredit InvestigationsDocumentation AdequacyCredit AdministrationCustomer Risk RatingsCriticized Asset Reporting
Soft Skills
Customer ServiceRelationship ManagementAttention to DetailVerbal CommunicationWritten Communication
Tools & Technologies
PC SkillsStandard Office Equipment
Industry Keywords
Commercial LendingLoan ManagementRegulatory GuidelinesRisk Management MetricsCustomer-site Inspections
About the role
Key responsibilities & impact- Provide underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily Special Mention and Classified-rated borrowers
- Administer and monitor a medium portfolio of complex commercial loans
- Manage loan relationships within the group and potentially own or share account management responsibilities
- Maintain accurate Customer records and files and prepare in-depth management reports summarizing portfolio activity
- Monitor credit administration, exceptions, and risk management metrics
- Administer existing loans for conformity with terms and adequacy of documentation
- Prepare criticized asset reports and review memos
- Coordinate with operations and processing areas to ensure loan payments are collected and recorded
- Maintain current Customer risk ratings and update credit-file comments
- Accompany loan officers on sales calls and assist with account details and implementation
- Provide technical guidance and assist staff with complex work
- Coordinate with the credit department and perform in-depth financial analyses and credit investigations
- Support credit decisions on line extensions and other loans
- Contribute to group loan decision processes based on credit-risk evaluations
- Visit Customers independently or with commercial loan officers to maintain business relationships
- Perform periodic Customer-site inspections to audit accounts and ensure adherence to loan agreements and terms
- Utilize limited personal credit authority under the Relationship Manager’s direction
Requirements
What you’ll need- 4 year degree or equivalent experience
- 3+ years related experience
- In-depth understanding of commercial credit decision process
- Excellent credit, financial analysis and accounting skills
- Knowledge of commercial legal and regulatory guidelines
- Demonstrated Customer service and relationship management skills, including track record of building and expanding Customer relationships
- High attention to detail
- Excellent verbal and written communication skills
- Good PC skills
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic arithmetic continuously
- Ability to lift/carry under 25 lbs. occasionally
Benefits
Comp & perks- Variable compensation/incentive awards, including potential cash and/or equity incentive awards
- 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 programs
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support for applicants with disabilities