Credit Portfolio Manager I
May 25, 2023
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/TDBank_US and www.twitter.com/TDNews_US.
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.
Gathers financial and general business information pertaining to customer and prospect loan requests, performs financial analyses needed to make credit decisions; Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors; Supports commercial banking team and recommends credit solutions that add value to the Customer
Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations; May manage overall analytical support and workflow production needs for a department
Works on larger, more complex deals, mainly focused on Middle Market
May manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives
Acts as a consultant to business lines regarding credit issues, processes and procedures
Functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines
Partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners
Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; Takes appropriate action as necessary to correct deficiencies
Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
May communicates credit decisions to Relationship Managers and Account Managers
Manages and oversees workflow and adherence to policy for department
Participates in organizational cost benefit analysis and implementation
Manages activities by creating and maintaining quantifiable service level standards against business performance
Ensures timeliness of information and efficiency in process and workflow
Maintains confidentiality of credit and customer information at all times
May lead a team of Credit Analysts within a region or market
Bachelor’s degree or equivalent experience
5+ years related experience
Strong understanding of commercial business development techniques and credit decisions.
Demonstrates business development track record
Strong market presence with wide network of outside referral sources for new business
Demonstrates credit and financial analysis skills
Refined negotiation skills
Demonstrates communication skills, both verbal and written.
Demonstrates PC skills
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.