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TD Bank Credit Management Associate III (US) in Worcester, Massachusetts


Job Title:

Credit Management Associate III (US)

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 over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us . Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBankUS and www.twitter.com/TDNewsUS .

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 www.td.com .

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

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Department Overview:

The Credit Management Associate III provides ongoing support to an assigned commercial customer account portfolio within Credit Management . The Associate will be involved in origination requests and ongoing portfolio administration throughout the lifecycle of each account. The Associate will ensure that all required processes are completed in accordance with Bank standards and procedures while driving data accuracy and quality control to avoid losses and reduce undue risk. The Associate works with lending and credit management personnel on customer requests to determine and collect critical information from a variety of sources, third parties, and internal partners for utilization in key tasks within the loan origination and portfolio management systems. During each phase of an account's lifecycle, the Credit Management Associate III will ensure customer, facility, and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate III will serve as an expert in commercial lending process and be a resource for others.


United States

Job Requirements:

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



Job Description:

Manages an assigned account portfolio for new and existing commercial customers to provide consistent professional service and support throughout the total lifecycle of each account.

Assists with the uploading of due diligence received during underwriting, to the image repository system, in preparation of Loan Specialist assignment.

May assist in preparing the most basic financial analysis of less complex loans / industries/ Customers, maintaining credit file, financial statement and assist with analysis memos.

Input necessary information into loan origination system to generate loan documents; Assists with closing of new loan accounts and submits information for boarding; assists loan team in preparing a complete approval package in preparation for closing.

Works closely with Credit Management team in supporting basic underwriting functions including spreading of financial statements.

May assist in research of industry specific information from outside sources, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.

Assist Credit Management with clearing and management of exceptions.

Supports and assists Credit Management CCM team with reporting, loan activities, delinquencies and tracking in loan information.

May generate and distribute reports to the Credit Management team, as needed.

Manages a loan pipeline from origination through booking in accordance with Bank policies and procedures.

Works independently in resolving more complex issues relating to origination process through booking.

Follows quality control procedures to verify records contain proper content using checklist and other tools.

May create/manage/confirm TD document changes and inputs are consistent with system requirements.

Evaluates best course of action taking into account bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors.

Establishes strong working relationships with commercial stakeholders, credit risk and other internal areas involved in underwriting, approval and closing loans.

Performs lockdown control / QC Function post-approval of a customer request to verify approved terms by Credit Management and Credit Risk align to the loan origination system data.

May provide support with onboarding activities.


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 USWAPTDO@td.com . 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.






4 year degree or equivalent experience.

3+ Years of related experience.

Accounting knowledge, including FASB and GAAP regulations, particularly in assigned line(s) of business.

Curious and observant with willingness to investigate to understand details of assigned business lines/accounts.

Strong analytical and problem solving skills.

Proactive, with ability to obtain necessary information and influence others in a tactful way without direct authority.

Relationship management skills, with ability to develop good client working relationships.

Communication skills, with ability to clearly display and explain numerical information and articulate required accounting treatment PC skills, including understanding of accounting software applications.

Ability to analyze non-routine transactions and those requiring judgment.

Work Location:

370 Main Street (Worcester)

Business Line:


Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

State (Primary):


City (Primary):


Job Family:

Credit Underwriting / Adjudication and Support

Time Type:

Full Time

Employment Type:


Hours/Availability Detail:

8:30am - 5:00pm

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