Credit Portfolio Mgr II, Middle Market at TD Bank in Philadelphia, PA
Company Overview About TD Bank, America's Most Convenient Bank TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth , and vehicle financing and dealer commercial services through TD Auto Finance. Department Overview TD's Middle Market Credit Management Group is responsible for managing credit relationships with borrowers with revenues between $75 million and $1 billion+. The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information for customer and prospect loan requests. This position 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 relationship team, and recommends credit solutions that add value to the Customer. Additionally, this role actively manages a portfolio of loans on an ongoing basis. We are seeking qualified candidates throughout the TD Bank footprint from Maine to Florida including but not limited to New York, NY, Boston, MA, Philadelphia, PA, Hartford, CT, Vienna, VA, Charlotte, NC, Greenville, SC, Melville, NY, Ramsey, NJ, and Coral Gables, FL. The position can also be remote based on the East Coast. Job Description 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 Requirements 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 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.
Salary Range:
$100K -- $150K
Minimum Qualification
InvestmentsEstimated Salary: $20 to $28 per hour based on qualifications.
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 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.
Salary Range:
$100K -- $150K
Minimum Qualification
InvestmentsEstimated Salary: $20 to $28 per hour based on qualifications.
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