Hybrid Credit Portfolio Manager I

at TD

• Job title: Credit Portfolio Manager I
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: $86,840 - $139,360 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Tampa, United States

About the role

• Credit Portfolio Manager I responsible for financial analyses and credit decisions at TD. Supporting the commercial banking team and managing customer loan requests and credit solutions.

Responsibilities

• 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
• 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 communicate 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

Requirements

• 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

Benefits

• 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 recognition