Credit Portfolio Manager I - C&I & CRE

About this role

Work Location: New York, New York, United States of America Hours: 40 Pay Details: $97,240 - $145,600 USD 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. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business: Personal & Commercial Banking Job Description: 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.

Depth & Scope: • 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

Education & Experience: • 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

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities

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