Credit Portfolio Mgr I, Middle Market Charlotte

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.

Department Overview

TD's Middle Market Credit Management Group is responsible for managing credit relationships with borrowers with revenues between $75 million and $1 billion+. The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information for customer and prospect loan requests. This position 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 relationship team, and recommends credit solutions that add value to the Customer. Additionally, this role actively manages a portfolio of loans on an ongoing basis. We are seeking qualified candidates throughout the TD Bank footprint from Maine to Florida including but not limited to New York, NY, Boston, MA, Philadelphia, PA, Hartford, CT, Vienna, VA, Charlotte, NC, Greenville, SC, Melville, NY, Ramsey, NJ, and Coral Gables, FL. The position can also be remote based on the East Coast.

Job Description

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
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
Coordinates with Relationship Managers to perform routine financial analyses and credit investigations
May communicates credit decisions to Relationship 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

Job Requirements

  • Must be eligible for employment under regulatory standards applicable to the position.


  • Qualifications

    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

    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.