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TD Bank Sr Credit Officer, Eastern Massachusetts in Boston, Massachusetts


Job Title:

Sr Credit Officer, Eastern Massachusetts

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit .

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Department Overview:

The Senior Credit Officer investigates and assesses new Customers, leads reviews of existing portfolio credits on a periodic basis, analyzes portfolio and industry trends within assigned areas of responsibility. Monitors deteriorating and problem accounts managed by lenders, interacts and communicates with workout, credit management and finance about portfolio and specific credit issues.


United States

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

• Bachelor's degree or progressive work experience in addition to experience below

• Minimum of 10+ years relevant experience in the Credit field, as a Credit Officer, Credit Manager, Loan Officer, Team Leader or other relevant experience including experience managing problem credits

• Proven understanding and demonstrated knowledge of credit policies and procedures

• Experience in structuring and documenting credits as well as taking accountability for quality loan portfolios

• Experience supervising/mentoring staff preferred

• Sound leadership, organizational and time-management skills

• Strong analytical, verbal, writing and interpersonal skills

• Proficient in Microsoft Office products



Job Description:

• Exercises approval authority as delegated and in accordance with Credit Policy.

• Oversees Commercial Credit activities and provides underwriting guidance on the more complex, larger accounts according to established Company procedures.

• Provides leadership and guidance to Credit Analysts, Portfolio Managers, Lenders and RVPs.

• Participates on several decision-making committees for commercial credit and portfolio management.

• Participates in deal discussions both formally and informally to ensure early and ongoing dialogue to resolve issues and to keep the process moving efficiently, providing timely support to Lenders. Meetings with customers could be a component of this requirement.

• Reviews and assists the line with the development of term sheets or deal memos.

• Confirms the final risk ratings including Borrower Risk Rating (BRR), Facility risk Rating (FRR), and Industry Risk Rating (IRR).

• Handles post approval sign off on risk ratings within assigned portfolio, above an agreed threshold, for credits approved by lenders.

• Serves as a member of the local market management team.

• Performs a leadership role in Approving credits within assigned credit authority in a dual signature process and evaluates credits exceeding authority as appropriate.

• Interacts with outside counsel and subject matter experts.

• Recommends approval of changes in underwriting and policies, including industry reviews.

• Supervises and leads criticized asset and portfolio review meetings.

• Exercises independent judgment by displaying and reaching conclusions on the most complex credit decisions as well as assumes accountability for quality approval decisions as well as the overall quality of the groups loan portfolio.

• May supervise and mentor credit analysts, portfolio managers, lenders and others with less experience.

• Interacts with Asset Recovery Group as appropriate.

• Acts in an advisory and referral role to Lenders and Analysts in matters of compliance, regulation and policy

• Consults with subject matter experts as needed.

• Resolves escalated issues and problems by conferring with senior management, staff, other internal departments, outside contacts and others as necessary.


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.





Work Location:

200 State Street Corporate

Business Line:


Job Category - Primary:

Risk Management

Job Category(s):

Risk Management

**Province/State (Primary):


City (Primary):


Job Family:

Credit Management Executives

Time Type:

Full Time

Employment Type:


Work Remotely:


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