Credit Manager II/Commercial Real Estate-REIT Boston, MA _Requisition: 59955BR

About TD , America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest 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 www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The - Bank of Toronto, , 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 www.td.com .

The Commercial Real Estate Manager (CM) is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job performs the credit underwriting and credit administration functions. The Credit Manager reports to the Team Credit Manager while working to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Group’s Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.

Job Description : • Performs in depth corporate and credit analysis in the underwriting and portfolio management of REITs and real estate investment funds. • Actively partner with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. • Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. • Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines. • Attends site visits and prospect/customer calls as needed or as requested. • With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews. • Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Bank’s profitability objectives. • Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions. • Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, reviewing and interpreting complex loan documentation, gathering financial information from clients, completing annual credit reviews on sponsor companies, quarterly reviews, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; Overseeing Analysts that will provide support in these responsibilities. • Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures. • Interprets and applies TD’s risk management strategy (both credit and operational). • Understands changing market conditions and remain knowledgeable of relevant industry issues. • Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; Overseeing Analysts that will provide support in these responsibilities.

Education and Experience • 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered • Minimum 10 years experience in related field; considered subject matter expert in complex credit understanding • Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding. • Superior ability to identify and mitigate risk. • Ability to successfully manage complex portfolios with an emphasis on institutional commercial real estate borrowers including but not limited to public REITs and institutional funds. • Ability to work in fast paced environment and meet aggressive deadlines. • Ability to provide value-add structuring alternatives for highly complex . • Strong written and excellent verbal communication skills with usage of business acumen. • Solid interpersonal skills. • Customer focused. • Strong planning and organizational skills. • Technologically proficient.

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 her/his potential. We offer a competitive salary including benefits and 401(k) plan.

If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at [email protected]. Please include your full name, contact information and details about your request within the e-mail.

EOE/Minorities/Females/Veterans/Individuals with Disabilities.

Interested Parties: Please Visit https://www.tdbank.com/careers/careers.html Complete an online Job Application Profile along with your submittal of resume. Resumes can also be sent to [email protected]

For your convenience, the Requisition # for this role is: 59955BR