On Site Mount Laurel, New Jersey Charlotte, North Carolina Full time R_1503207

• Work Location:

• Mount Laurel, New Jersey, United States of America

• Hours:

• 40 •

Pay Details:

• $200,000 - $280,000 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:

• Risk Management

• Job Description:

• The Senior Credit Workout Officer is involved in the managing and restructuring and/or collecting a segment of the company's adversely-graded loans, working closely with lending and credit staff, as well as other financial institutions to better secure collateral, equity or other assets of the borrower.

This role is responsible to preserve the loan principal, gather interest and prevent the loan from being charged off. This role meets with the most complex accounts, referring only unusual questions to department management. This role performs and reviews complex financial analyses and collateral reviews, evaluates budget feasibility, develops workout terms to recover principal, interest and collection costs including unusual specialized financing. Communicates with accounts to finalize agreements. This role approves Specialty Bank Non-Pass rated credit requests within loan

• Depth & Scope:

• + Oversees Commercial Credit Activities for Non-Pass Credits in the US Specialty Bank that are advanced in complexity, multi-faceted and diverse + Directly manages highly complex workouts from the Specialty Bank that require transfer to Workout + Discretionary limit for non-pass commercial relationships managed on the business line or in workout + On Non-Pass credit, provides leadership, support and guidance to the Credit Team and assists with more complex deals, including meeting with customers in special situations + Acts in an advisory and referral role to other Workout Officers Credit Officers, RVPs, Lenders, Portfolio Managers and Analysts in matters of compliance, regulation and policy.

Uses experts as needed + Recommends changes in underwriting and policies, including industry reviews + Protects the assets of the bank through the proper execution and administration of operational and risk management policies + Resolves escalated issues and problems by conferring with senior management, staff, other internal departments, outside contacts, and Customers as necessary + Implements liquidation plans with accounts as needed, converting assets into cash and closing accounts; seizes assets, forecloses real estate and coordinates third party asset sales. Utilizes extensive industry contacts to determine interest in available assets. May attend auctions of seized property to make minimum bids on assets to protect Company's financial position + Manages unit staff, assigning, prioritizing and monitoring work; provides leadership, coaching, counseling and guidance to staff; assigns tasks and account responsibilities based upon complexity of accounts and experience level of staff. Develops, assigns and monitors plans to ensure completion of goals and objectives and meeting deadlines + Oversees and manages meetings with accounts and gathers financial, collateral, budget, business plan and other general business information in close coordination with commercial lenders and other appropriate internal and outside personnel. Answers questions based on proven in-depth knowledge of industry and Company practices and procedures + Manages account information and prepares project plan documentation for account files + Reviews in-depth financial analyses and collateral reviews performed by staff. Determines whether business plans and budgets are reasonable and attainable. Reviews liquidation plans if applicable. Coordinates with credit department and other appropriate internal areas as necessary. Develops and manages complete workout plans which may include unusual specialized financing arrangements. + Negotiates with borrowers, principals, debtor company management, attorneys, accountants, consultants and others to secure appropriate repayment on loans for complex agreements within parameters defined by workout decisions agreed upon with department management with little need for outside attorney time because of proven in-depth knowledge of industry practices and legal requirements across entire Company geographic footprint. + Provides technical guidance and assists staff with most complex aspects of work as necessary + Reinforces the organizations Credit Culture and Professional Development

• Education & Experience:

• + Bachelors degree required + 15+ years' experience as a Credit Officer/Workout Officer with 5+ years of complex credit experience + Proven project management skills, with superior ability to coordinate with other departments and outside resources to accomplish goals in large scale efforts + Excellent communication, facilitation, and relationship-building skills, with an ability to provide detailed explanation and interpretation of factual and conceptual information to senior levels within the organization + Strong attention to detail and an ability to manage multiple priorities, assign appropriate resources, ensure quality, + professional work, and maintain high standards •

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

• 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 (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. Learn more (http://hrportal.ehr.com/tdtotalrewards)

• Additional Information:

• We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
• Colleague Development
• If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed.

You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

• Training & Onboarding
• We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
• Interview Process
• We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
• Accommodation
• TD Bank is an equal opportunity employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process. US Labor & Employment Posters (https://tdbank.site.findly.com/wp-content/uploads/sites/3875/2026/07/USApplicantRights\_revised\_7-13-2026.pdf) | California Privacy (https://www.td.com/us/en/personal-banking/privacy/california/) | Accessibility (https://www.td.com/us/en/personal-banking/universal-footer/accessibility/) | FAQ (https://cdn-static.findly.com/wp-content/uploads/sites/3345/2024/08/02032545/FAQ\_EN.pdf)

• 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 guide our behavior.

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.

• 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.
• Helping to Make an Impact in Communities - TD Ready Commitment
• 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 C$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.

Learn more:

Canada (https://www.td.com/ca/en/about-td/ready-commitment) | US (https://www.td.com/us/en/about-us/communities/ready-commitment) | Europe & Asia Pacific (https://www.td.com/ca/en/about-td/ready-commitment)Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.