CRE Relationship Associate II (US)

of the assignment. The CRE Relationship Associate II is the primary, and in some instances, the secondary client contact for relationships managed by the Sr. Relationship Manager or Team Leader. This job consists of an 18 - 24 month program that will provide an opportunity to work within the Commercial Real Estate Origination team, with the intent of providing broad and deep exposure to the Relationship Manager role and all aspects of client interaction from developing new business to managing the full client relationship.

Job Details

• Assists in the structure and execution of Commercial Real Estate Loan transactions both project level, REIT and Funds and syndicated loan transactions including term loans and construction facilities for a variety of property types and clients. Typically, analyzes and monitors larger loans or supports a growing Region or a Region with more complex relationships and transactions.
• Works with Senior Relationship Manager or Team Leader in the preparation of pitch books and developing strategies to deepen existing relationships and to court new business opportunities
• Works closely with Credit Management to coordinate and facilitate and advocate on behalf of our clients and prospects in the preparation of credit submissions and other documentation related to the transaction approval process, including assistance related to loans, syndications, pipeline management and relationship strategy. Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors uncovered via individual analysis and via input from Credit Management.
• Coordinates with product partners to market ancillary products to clients such as interest rate hedging, short term investment products, equities, securitization, foreign exchange and Treasury Management services
• Has a thorough and up to date understanding of the TD Credit Risk Policies, CRE Underwriting Guidelines, RAROC pricing models, BRR, FRR and Maestro
• Gathers financial and general business information and explains products and services offered. Coordinates financial analyses needed to make credit decisions.
• Represents Commercial Real Estate Department at business and civic functions. Gains exposure to various CRE industry groups.
• Develops general overall knowledge of Commercial Real Estate Lending industry, regulations and guidelines. Including matters relating to Appraisal and Environmental matters.
• Discusses and outlines prospective financing interest based on thorough understanding of TD Credit Policy, Risk tolerance, Commercial Real Estate experience, understanding of industry and individual prospect situations
• Reviews Loan Documentation in connection with Credit Management and outside legal counsel and negotiates same as appropriate to insure adequate lender protections
• Gathers prospect financial and general business information as needed and does an initial review of same
• Updates Sales Force noting client calls, deal status, cross sell initiatives
• Assists in the development and training of less experienced support staff

Job Requirements

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

Qualifications

• Bachelor's Degree in Economics, Finance, Accounting or Business preferred
• 5 - 7 years of experience working in a financial institution
• 3 - 5 years of direct experience managing a diversified commercial real estate portfolio of credits including direct face to face client contact and cross selling initiatives and managing matured loans and the structuring of modifications.
• Experience in the testing and handling of covenants and defaults.
• Experience working with outside attorneys and loan closings.
• Outstanding quantitative and qualitative analytical skills
• Working knowledge of finance and accounting
• Demonstrated In depth understanding of credit, valuation techniques, spreadsheet modeling and real estate asset classes.
• Thorough understanding of Commercial Real Estate Loan Documentation Principals.
• Highly motivated with demonstrated ability to manage conflicting priorities and requests
• Strong work ethic; ability to take initiative and function independently with minimal supervision, balanced with strong teamwork skills
• Excellent written and oral communication skills; superb interpersonal skills with ability to maintain relationships at all levels and with other partners in the organization
• Detailed-oriented; effective time management and strong organizational and planning skills
• Willingness to travel including overnight if necessary
• Must maintain high standards of professional and ethical conduct
• Demonstrated In-depth understanding of commercial credit decision process

Company Overview

Our Values
At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.

Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (https://e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.

How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they’ll always have access to the TD community to experience our culture of care.

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.

Inclusiveness

Our Commitment to Diversity, Equity, and Inclusion
At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

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

Accommodation
If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@https://td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

How We're Helping Make an Impact in Communities
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

We look forward to hearing from you!