Credit Portfolio Manager I

TD Bank   •  

Fort Lauderdale, FL

Industry: Accounting, Finance & Insurance

  •  

5 - 7 years

Posted 31 days ago

This job is no longer available.

Department Overview

The Credit Portfolio Manager I (CPM), Middle Market is responsible to gather financial and general business information pertaining to customer and prospect loan requests. The Credit Portfolio Manager I (CPM), Middle Market 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 Description

Depth & Scope:

Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
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
Coordinates with Relationship Managers to perform routine financial analyses and credit investigations
May communicates credit decisions to Relationship 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
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

Customer Accountabilities:

Understands and supports the Bank’s Customer Service Strategy
Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders
Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers – WOW at every opportunity
Leads, coaches and models quality service delivery at every interaction
Supports the ongoing improvement of the partner/Customer experience

Shareholder Accountabilities:

Represents TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates on professional organizations
Represents the franchise both internally and externally; develop and maintain relationships with major clients, regulators, and the investment community and, with other TD leaders, support a high, positive public profile for theTD franchise
Managers, other than those who serve as Executive/Senior Level Officials and Managers, including those who oversee and direct the delivery of products, services or functions at group, regional or divisional levels of organizations
Receives directions from the Executive/Senior Level management and typically lead major business units
Implements policies, programs and directives of executive/senior management through subordinate managers and within the parameters set by Executive/Senior Level management
Serves at functional, line of business segment or branch levels and are responsible for direc

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

Customer Accountabilities:

Understands and supports the Bank’s Customer Service Strategy
Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders
Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers – WOW at every opportunity
Leads, coaches and models quality service delivery at every interaction
Supports the ongoing improvement of the partner/Customer experience

Shareholder Accountabilities:

Represents TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates on professional organizations
Represents the franchise both internally and externally; develop and maintain relationships with major clients, regulators, and the investment community and, with other TD leaders, support a high, positive public profile for theTD franchise
Managers, other than those who serve as Executive/Senior Level Officials and Managers, including those who oversee and direct the delivery of products, services or functions at group, regional or divisional levels of organizations
Receives directions from the Executive/Senior Level management and typically lead major business units
Implements policies, programs and directives of executive/senior management through subordinate managers and within the parameters set by Executive/Senior Level management
Serves at functional, line of business segment or branch levels and are responsible for directing and executing theday-to-day operational objectives of the Company, conveying the directions of higher level officials and managers to subordinate personnel and, in some instances, directly supervising the activities of exempt and non-exempt personnel
Includes those who report directly to middle managers
Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives
Participates in establishing and executing plans and goals for the Business to drive toward results
Develops and maintains an operating budget, ensuring adherence to budget; May delegate budgetary assignments todirect reports, but maintains overall budgetary responsibility and oversight
Provides financial reports and analysis including budget variances to management on a regular basis
Communicates business strategies, programs and practices – establish and operate change strategy throughout theorganization
Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD’s scale and operating model
Ensures TD is a best run, integrated, customer-focused, growth organization
Understands business unit/function’s own risk appetite statement, objectives for risk and control, and measures, where applicable, making sure these are aligned with TD’s Risk Appetite; Ensures that the business/function operates within TD’s Risk Appetite by tracking key metrics against its policies, procedures and limits
Successfully completes all required job specific, compliance-related training and ensure team members complete all required training Understands, utilizes and follows compliance/risk and control programs; Consults with all risk functions in the development and documentation of policies, pr

  • Must be eligible for employment under regulatory standards applicable to the position.

Hours

40

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

241887BR