Credit Portfolio Manager II

Location & Hours Work Location: Coral Gables, Florida, United States of America Hours: 40 Pay: $115,440 - $173,160 USD Job Overview 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 CPM 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 role oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on. Depth & Scope Manages complex credit activities to ensure performance quality, consistency of underwriting and timely delivery that meets or exceeds customer expectations; may manage overall analytical support and workflow production needs for a department. Works on larger, complex deals, mainly focused on Middle‑Market and highly specialized lending. 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 to correct deficiencies. Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations. Communicates credit decisions to Relationship Managers and Account Managers (if applicable). Manages and oversees workflow and adherence to policy for the department. Participates in organizational cost‑benefit analysis and implementation. Creates and maintains 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 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. Excellent communication skills, both verbal and written. Proficient PC skills. Physical Requirements 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 Disability Accommodation Statement TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank U.S. Workplace Accommodations Program at View email address on click.appcast.io. #J-18808-Ljbffr