Credit Portfolio Manager I - Greater New York City Market

at  TD Bank

433178BR
Commercial Banking
Forest Hills, NY
White Plains, NY New York, NY
March 14, 2024
Hours
40
Pay Range
$86,840 – $139,360 annually
Department Overview
The Credit Portfolio Manager I will be working in our Community Credit Management team environment which handles a variety of Small to Medium Size Borrowers (Primarily Revenues of $15MM to $100MM) and loan products types (ie, Line of Credit, Term Loans, Owner Occupied / Investment Commercial Mortgages, Equipment Leases, Letters of Credit), reporting to the Commercial Credit Manager who may support up to four (4) Regional Vice Presidents and up to fifteen (15) Relationship Managers. Applicant can expect a workflow ratio of 25-30 Borrowers per 1 Underwriter. The Applicant’s Community team may consist of 6-8 underwriters.
Job Details
The Credit Portfolio Manager I (CPM) is responsible to gather financial and general business information pertaining to customer and prospect loan requests. This job 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 and supports commercial banking team and recommends credit solutions that add value to the Customer.

Job Requirements

• 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
• 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 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
• 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
• 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

Company Overview

WHO WE ARE

TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.
Inclusiveness

Please refer the Job description for details