Construction Portfolio Specialist I (US)

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

$25.75 - $38.50 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Personal & Commercial Banking Job Description:

This role is responsible for administering and monitoring a Construction loan portfolio. The role assesses and maintains compliance with loan documentation and Construction loan Credit Standards to manage the Bank's construction risk during the construction process.

Depth & Scope:

• Experienced working professional role providing specialized business services, advisory or processes/program support within their own area of specialty

• Requires experienced, conceptual and practical knowledge within their own specialty and knowledge of broader related areas

• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area

• Leads projects or workstreams within broader projects with moderate risk and may be accountable for managing ongoing activities, processes and functional programs

• Works within broad guidelines/policies and independently performs tasks from end to end

• Solves moderately complex problems by taking a new perspective on existing solutions

• Exercises judgment based on the analysis of multiple sources of information

• Conveys business context when providing guidance within field of specialty to internal or external stakeholders

• Work performed under minimal management guidance and supervision

• Identifies and leads problem resolution

Education & Experience:

• Bachelor's degree (in Business or equivalent) or work experience equivalent to a bachelor's degree preferred

• 1+ years related experience required, preferably in Construction Administration or Commercial /Real Estate Lending or Credit Management

Customer Accountabilities:

• Is responsible for the management and overall administration of a portfolio of commercial construction loans from the pre‑closing phase through project completion

• Serves as a resource to the Line of Business, Credit Risk Officers, and Credit Management regarding TD Construction Loan Credit Standards, policies, and procedures; provides high‑quality internal and external customer service and support with the ability to handle large, complex, and high‑profile projects; assists with inquiries, research, and problem resolution for the Line of Business and the customer

• Works closely with the Line of Business, Borrower, and CLS team during the pre‑closing process; reviews all construction documentation for conformity to TD Credit standards for construction loans; contributes to establishing a detailed project budget and balanced sources and uses; interprets complex credit policies, legal and title requirements, and regulatory guidelines to ensure loan documents meet applicable standards from preparation through execution; reviews and approves all closing disbursements

• Analyzes requests for funding against established budgets, sources, and uses, and identifies any exceptions; reviews all advance‑request documentation in detail against approved controls, including AIA documents, inspection reports, lien waivers, and soft‑cost invoices; makes recommendations for funding or holdbacks based on project knowledge and TD Bank construction policies

• Maintains a balance between project costs and funding sources, ensuring the Bank’s risk is mitigated

• Reviews inspection reports for accuracy and completeness; follows up with external engineers and the TD Bank Engineering Department to make recommendations and resolve any issues or exceptions noted; keeps the Line of Business informed of project status and emerging issues

• Maintains internal record‑keeping of loan disbursements and project progress through input to TD Bank’s construction monitoring system; ensures the accuracy and maintenance of customer records and files; coordinates processing of advances and repayments for the project

• Develops an understanding of commercial products and services; ensures adherence to Company guidelines, policies, and procedures related to construction loans; maintains a general knowledge of the construction‑lending industry and a detailed understanding of relevant regulations and guidelines

Shareholder Accountabilities:

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