Credit Portfolio Manager I - State & Municipal

About the role

This Credit Portfolio Manager I position is within TD's specialized State & Municipal Credit Management vertical and will be on the Northeastern US team. The Credit Portfolio Manager I manages credit activities including underwriting new loan requests and monitoring portfolio risk for their assigned portfolio of governmental borrowers including state and local governments (cities, towns, counties & school districts), housing authorities, airports, utilities, economic development agencies, and public colleges. This role involves completing comprehensive but concise credit write-ups and conducting in-depth financial and industry analysis to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives.

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 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 meets or exceeds 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; managing expectations and negotiating 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
• May 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

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

Skills

• Strong background in credit analysis
• Enthusiasm for developing or deepening expertise in government finance
• Detail-oriented and resourceful with strong research and problem-solving skills
• Exemplary writing capabilities and excellent communication skills
• Ability to take initiative with a collaborative, flexible and team-oriented mentality
• Self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with quick turnaround deadlines

Pay

$100,000 - $150,000 USD. 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.

Schedule

Hours: 40