JOB DESCRIPTION:

This Credit Portfolio Manager II position is within TD’s specialized State & Municipal Credit Management vertical and will be on the Northeastern US team. The Credit Portfolio Manager II 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. The ideal candidate will have a strong background in credit analysis and enthusiasm for developing or deepening their expertise in government finance, is detail-oriented and resourceful with strong research and problem-solving skills, exhibits exemplary writing capabilities and excellent communication skills, has ability to take initiative with a collaborative, flexible and team-oriented mentality, and is a self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with quick turnaround deadlines. This is a career path with opportunities for advancement. Location is flexible.
The above details are specific to the role which is outlined in the general description below.
The Credit Portfolio Manager II (CPM) performs the financial analysis needed to make credit decisions on new and existing business, supports the commercial banking team and recommends credit solutions that add value to the Customer. The Credit Portfolio Manager II manages a designated portfolio of commercial loans assuring all aspects of compliance with loan agreements, regulatory requirements and underwriting and risk rating policy are met. The job oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on.

EDUCATION & EXPERIENCE

• Bachelor’s degree or work experience equivalent to a Bachelor’s degree required
• 10+ years related experience required
• Strong understanding of commercial business development techniques and credit decisions
• Demonstrates credit and financial analysis skills
• Working knowledge of capital markets is a plus
• Refined negotiation skills
• Demonstrates communication skills, both verbal and written.
• Demonstrates PC skills

PHYSICAL REQUIREMENTS:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• 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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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.

Please refer the Job description for details