Sr. Loan Officer

Sr. Commercial Loan Officer

The Sr. Commercial Loan Officer is an external sales role which focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. 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.

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 develops network of outside referral sources for new business
• Compiles necessary data and information to begin financial analysis
• 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
• Educates Branch Managers and staff about products and the lending process
• 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 Customers and cross selling existing Customers as well as an established network of resources

Education & Experience :

Preferred Qualifications :

Customer Accountabilities :

Shareholder Accountabilities :

Employee / Team Accountabilities :

Physical Requirements :

Never : 0%; Occasional : 1-33%; Frequent : 34-66%; Continuous : 67-100%

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.

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