Credit Portfolio Manager I - RCB

About the role

Located in Glassboro, New Jersey, this role is responsible for gathering financial and general business information for customer and prospect loan requests, performing financial analyses to support credit decisions, and contributing to the group loan decision process based on credit risk and other key factors. The Credit Portfolio Manager I supports the commercial banking team by recommending credit solutions that add value to the customer and manages specific credit activities to ensure performance quality, consistency of underwriting, and timeliness meet or exceed customer expectations.

Responsibilities

• Gather financial and general business information pertaining to customer and prospect loan requests
• Perform financial analyses needed to make credit decisions
• Contribute and provide input to the group loan decision process based on evaluation of credit risk and other key factors
• Support commercial banking team and recommend credit solutions that add value to the customer
• Manage specific credit activities to ensure performance quality, consistency of underwriting, and timeliness meet or exceed customer expectations
• May manage overall analytical support and workflow production needs for a department
• Work 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
• Act as a consultant to business lines regarding credit issues, processes, and procedures
• Function as a resource for business lines and work with senior management on various issues; manage expectations and negotiate timelines
• Partner with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners
• Perform periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements and terms; take appropriate action as necessary to correct deficiencies
• Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations
• Communicate credit decisions to Relationship Managers and Account Managers
• Manage and oversee workflow and adherence to policy for department
• Participate in organizational cost benefit analysis and implementation
• Manage activities by creating and maintaining quantifiable service level standards against business performance
• Ensure timeliness of information and efficiency in process and workflow
• Maintain 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
• 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

Physical Requirements

• Domestic Travel: Occasional
• International Travel: Never
• Performing sedentary work: Continuous
• Performing multiple tasks: Continuous
• Operating standard office equipment: Continuous
• Responding quickly to sounds: Occasional
• Sitting: Continuous
• Standing: Occasional
• Walking: Occasional
• Moving safely in confined spaces: Occasional
• Lifting/Carrying (under 25 lbs.): Occasional
• Lifting/Carrying (over 25 lbs.): Never
• Squatting: Occasional
• Bending: Occasional
• Kneeling: Never
• Crawling: Never
• Climbing: Never
• Reaching overhead: Never
• Reaching forward: Occasional
• Pushing: Never
• Pulling: Never
• Twisting: Never
• Concentrating for long periods of time: Continuous
• Applying common sense to deal with problems involving standardized situations: Continuous
• Reading, writing and comprehending instructions: Continuous
• Adding, subtracting, multiplying and dividing: Continuous

Pay

The base pay for this role ranges from $91,000 to $136,240 USD. Actual compensation may vary based on the candidate’s skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. TD is committed to fair and equitable compensation and offers opportunities for salary progression over time as colleagues advance in their roles.