Credit Portfolio Manager I - RCB
About the role
The Credit Portfolio Manager I position is centered on Regional Commercial Borrowers, specifically businesses with annual revenues under $250 million. These organizations span a diverse range of industries and sectors, including manufacturers, distribution companies and retailers, general non-profits, service providers, and investment commercial real estate borrowers. The position functions as part of a team of underwriters dedicated to covering the South Carolina and North Carolina Market’s geography.
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.
- Manages larger, more complex deals, mainly focused on Middle Market.
- Manages and/or leads as well as create, develop and introduce commercial and credit-related initiatives.
- Functions as a consultant to business lines regarding credit issues, processes and procedures.
- Works with senior management on various issues; managing expectations and negotiating timelines.
- Pairs 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.
- 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.
- Maintains confidentiality of credit and customer information at all times.
- May lead a team of Credit Analysts within a region or market.
Requirements
Education & Experience:
- Bachelor's degree or equivalent experience.
- 5+ years related experience.
- Strong understanding of commercial business development techniques and credit decisions.
- Demonstrated business development track record.
- Strong market presence with wide network of outside referral sources for new business.
- Demonstrated credit and financial analysis skills.
- Refined negotiation skills.
- Demonstrated communication skills, both verbal and written.
- Demonstrated PC skills.
- Never: 0%
- Occasional: 1-33%
- Frequent: 34-66%
- Continuous: 67-100%
Qualifications
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. 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 offers a comprehensive benefits package including 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.
Pay
$91,000 - $136,240 USD
Schedule
Hours 40