Sr Loan Officer

5 months ago


Street, United Kingdom TD Bank Full time

**Work Location**:
200 State Street Corporate

**Hours**:
40

**Pay Details**:
$153,920 - $230,880 USD

**Line of Business**:
Personal & Commercial Banking

The CRE REITs and Investment Funds Group, falls within TD's Commercial Real Estate division and focuses on high quality, top tier, REITS and private institutional real estate investment companies. Specific core asset classes include: Multi-Family, Office, Retail, and Industrial properties.

The Sr. Commercial Loan Officer combines an external sales role focusing on growing a Commercial portfolio through building new customer relationships with internal collaboration in practicing sound risk judgement. This job meets or exceeds annual sales, revenue, volume & new customer objectives while showing credit aptitude. The Sr. Commercial Loan Officer maximizes 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 and is the bridge between client and internal credit/risk partners. The CRE REITs and Investment Funds Relationship Manager will be responsible for advising REITs and Private Equity Real Estate Investment Funds in all aspects of balance sheet management strategies including on balance sheet solutions as well as coordinating with TD Securities product partners on public equity and public/private debt capital markets solutions. The CRE REITs and Investment Funds Relationship Manager will be responsible for originating, structuring and executing debt capital strategies including corporate credit facilities, bank term loans, commercial mortgages, capital call facilities and bridge financings.

**Depth & Scope**: - Works independently to develop new business with prospects that have the largest and most complex credit needs - Maintains established market presence and extensive network of outside referral sources of new business - Understands how to structure the most complex deals - Prepares basic management reports summarizing loan activity - Meets regularly with internal referral sources to establish business relationships and grow ancillary business - Develops a network of outside referral sources for new business - Compiles necessary data and information to begin financial analysis and works closely with credit partners to complete the deal process - Negotiates specific terms and conditions within parameters defined by credit decisions - Finalizes loan agreements with prospects and Customers and closes sales - 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 - Communicates credit decisions to prospects and negotiates specific terms and conditions for loans within parameters defined by credit decisions - Responsible for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new Commercial

**Education & Experience**: - 4 year degree or equivalent experience - 10+ years related experience - In-depth understanding of commercial real estate industry, business development techniques and credit decisions - Proven business development track record, with proven ability to conceptualize and implement effective new business strategies - Extensive network of outside referral sources for new business - Excellent credit and financial analysis skills - Refined negotiation skills - Proven communication skills, both verbal and written - Proven PC skills - Membership in civic and professional organizations preferred

**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.

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