Performs in depth credit analysis for a highly diverse and complex commercial real estate portfolio including syndicated Bank deals and REIT's; •Responsible for managing portfolio of complex loans, preparing annual reviews, renewals, construction loan advances, and any other request of customer; •Performs 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; •Attends site visits and prospect/customer calls as needed/requested; •With support from the Credit Analyst, prepares credit approval memorandums for new business for new and existing borrowers; • Ensure approval memos provide high quality risk assessment, credit structure, due diligence, and credit presentation and utilize bank models for borrower and facility risk ratings, as well as profitability models. • Manages the timely approval, documentation preparation, negotiation and closing of new and existing transactions; • Ensure the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures. • Interpret and applies TD’s risk management strategy (both credit and operational). • Understand changing market conditions and remain knowledgeable of relevant industry issues. • Manage 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 Credit Analysts that will provide support in these responsibilities.

-Responsible for complex loans/industries/Customers -Works independently -Strong understanding of loan risk factors -Train/mentor/coach junior analysts -Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet -Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) - Integral part of loan origination process - Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition. Supports the lending function by providing analytical support - Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk

Responsible for evaluating moderately complex business banking, commercial, and high net worth loan packages according to business unit standards for business or high net worth customers. Functions may include: structuring and pricing loans consistent with compliance policies; compiling, analyzing and documenting loan data and credit risk; investigation, analysis and review of credit standards and determining credit worthiness; understanding financial statements and reports for specific area of business; providing credit/ underwriting decisions. Respond to internal and external customer inquiries as necessary.

Responsible for analyzing complex companies and industries and conducting presentations on findings to senior management. analyzing/formalizing documentation of loan transactions and/or credit history of customers; assisting in preparation of credit reports for presentation to lending officers and/or approval committees; covenant testing, loan documentation setup, and spreading audited statements, tax returns, etc.

Maintains portfolio of commercial accounts. • Develops customer relationships, obtaining general information on the business as well as financial and banking information.• Analyze financial statements and make informed credit decisions that help protect the assets of CIT.• Ensure information is kept current and assists the collection department on delinquent customers. • Manage customers that maintain exposures in excess of $100,000 and report monthly to management regarding their customers operations and prepare committee reports for management approval on accounts with exposures in excess of $350,000.• Will analyze and interpret complex financial statements and make collection calls as necessary.