CSB Credit Specialist II - CRA Affordable Housing

Locations: Charlotte, North Carolina; Boston, Massachusetts; New York, New York

Employment Type: Full-time

Work Arrangement: On Site

Requisition ID: R_1483419

About the Employer

TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches/stores. Every day, TD strives 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.

Role Summary

The CSB Credit Specialist II 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 role performs credit underwriting and credit administration functions, working closely with the Relationship Manager and Credit Officer to ensure consistency with TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.

What You'll Do

Perform in-depth credit analysis for highly diverse portfolios at the highest complexity, including large pieces of bigger client portfolios that may include other institutions
Conduct in-depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products, structure, Credit Risk Appetite and credit policies/underwriting guidelines
Partner with the Relationship Manager on potential structure proposals aligned with TD Bank products, TD Credit Risk Appetite and credit policies/underwriting guidelines
Attend site visits and prospect/customer calls as needed or requested
Prepare credit applications for new and existing borrowers with support from the Credit Analyst, including new transactions, extensions, modifications, renewals and Annual Reviews
Ensure applications provide high quality risk assessment, credit structure, due diligence, and credit presentation while adhering to AIRB methodology and addressing TD Banks profitability objectives
Manage timely approval, documentation preparation, negotiation, and closing of new and existing transactions
Operate within applicable regulatory and compliance guidelines/policies and procedures, including AML, Privacy, Firewalls, Systems & Information Security, and FCAC
Ensure the managed portfolio is comprehensively monitored and controlled, adhering to approved guidelines and established operating policies and procedures
Interpret and apply TD's risk management strategy for both credit and operational matters
Stay knowledgeable of changing market conditions and relevant industry issues
Manage aspects of the customer relationship, including reviewing reports and delinquencies, signing off on covenant compliance forms, determining strategy for failures, completing monthly monitoring, and overseeing Credit Analysts

Required Qualifications

4-year undergraduate degree
7+ years' experience in related field
Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding
Superior ability to identify and mitigate risk
Ability to provide value-add structuring alternatives for highly complex credits
Strong written and excellent verbal communication skills with solid business acumen
Solid interpersonal skills
Customer focused
Strong planning and organizational skills
Ability to problem solve in complex situations
Technologically proficient

Preferred Qualifications

Advanced degree in financial discipline

Physical Requirements & Working Conditions

Domestic Travel – Occasional; Performing sedentary work – Continuous; Performing multiple tasks – Continuous; Operating standard office equipment – Continuous; Responding quickly to sounds – Occasional; Sitting – Continuous; Standing – Occasional; Walking – Occasional; Moving safely in confined spaces – Occasional; Lifting/Carrying (under 25 lbs.) – Occasional; Squatting – Occasional; Bending – Occasional; Reaching forward – Occasional; Concentrating for long periods of time – Continuous; Applying common sense to deal with problems involving standardized situations – Continuous; Reading, writing and comprehending instructions – Continuous; Adding, subtracting, multiplying and dividing – Continuous.

Compensation

$120,000–$198,000 USD. TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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.

Benefits

TD's Total Rewards package includes variable compensation/incentive awards (such as eligibility for cash and/or equity incentive awards through an incentive plan), 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 programs.

Training & Onboarding

TD will provide training and onboarding sessions to ensure you have everything needed to succeed in your new role. 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.

How to Apply

Application Deadline: April 20, 2026. TD will reach out to candidates of interest to schedule an interview and will communicate outcomes to all applicants by email or phone call. 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 with your full name, best way to reach you, and the accommodation needed.

Equal Opportunity Statement

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.

TD Bank jobs

CSB Credit Specialist II - CRA Affordable Housing