VP, Credit Portfolio Manager II - EDU South/National

TD Description

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_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.

Job Description

The Credit Portfolio Manager II (CPM) performs the financial analysis needed to make credit decisions on new and existing business, supports the commercial banking team and recommends credit solutions that add value to the Customer. The Credit Portfolio Manager II manages a designated portfolio of commercial loans assuring all aspects of compliance with loan agreements, regulatory requirements and underwriting and risk rating policy are met. The job oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on.

Job Requirements

• Manages complex 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, complex deals, mainly focused on Middle Market and highly specialized lending
• 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
  • Must be eligible for employment under regulatory standards applicable to the position.


  • Qualifications

    • Bachelor's degree or work experience equivalent to a Bachelor's degree required
    • 10+ years related experience required
    • Strong understanding of commercial business development techniques and credit decisions
    • Demonstrates credit and financial analysis skills
    • Working knowledge of capital markets is a plus
    • Refined negotiation skills
    • Demonstrates communication skills, both verbal and written.
    • Demonstrates PC skills

    Preferred Qualifications:
    • Experience in education and/or not-for-profit lending
    • People Management and/or Team Lead experience

    *Candidates in other locations may be considered

    Inclusiveness

    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.