Credit Manager

Credit Management RoleThis role is responsible for managing the credit underwriting and credit administration functions in a region with a larger and more complex portfolio or a specific product vertical within Specialty Banking, consistent with the TD Bank Group Risk Appetite Principles. This includes establishing the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Directs the Market Credit Managers, or in some cases, Senior Portfolio Specialists, Credit Specialists and Credit Analysts, in the monitoring of loan covenants, loan delinquency, and completion of the annual review and renewal of existing credit relationships. This role works to achieve credit management objectives within the team.Depth & Scope:Leads Market Credit Managers and Senior Portfolio Specialists or, in some cases, a team of Credit Specialists and AnalystsManages the credit operational risk of the Region while driving profitable business growthParticipates early on in deal structure in partnership with Regional Director or Team Lead and Credit Risk ManagementJointly sponsors and advances transactions with the Regional Director or Team Lead during the approval processEnsures adherence to Risk Policies, operational risk processes, policies, and practices and drives business successesAssists in executing the region's business plan by ensuring the region's timely and consistent underwriting and closing of new and existing credit relationships within the business unit, consistent with the TD Bank Group Risk Appetite Principles and credit policies/underwriting guidelinesEnsures the region's applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Bank's profitability objectivesDirects the completion of annual reviews and renewals of existing credit relationships in a timely manner and in accordance with Credit Policy in order to minimize credit riskDirects the review of compliance with loan covenants within the regionServes as the leader on commercial loan structuring, pricing models, Risk Adjusted Return on Capital (RAROC), Maestro and loan reporting systems within the regionServes as the leader in ensuring the region meets its Business Plan by providing consistent and complete underwriting of new credit relationshipsManages the appropriate balance between new business development, loan pricing and credit risk within the regionWorking in conjunction with the region, helps structure creative and competitive solutions to meet the more complex and larger customer and prospective needs, consistent with the TD Bank Group Risk Appetite PrinciplesIdentifies and responds to changes in the macro-economic environment, industry issues and business environment, establishing action plans to address customer issues and prioritiesEscalates credit issues of the region to Regional Director or Team Lead and Credit Risk ManagementEnsures the Credit Management staff within the region is knowledgeable of and operates within the TD Bank Group Risk Appetite Principles and the applicable regulatory and compliance guidelines and procedures, including, but not limited to, Anti-Money Laundering, Privacy, Firewalls, and Systems and Information SecurityApproves new loans and annual reviews within delegated credit approval limits established by TD Bank, NA Loan Policy and makes recommendations on all othersInterprets and applies TD Bank, NA's credit risk and operational risk management strategies within the teamBuilds and maintains productive relationships with all business partners within the Division and across TD Bank, NAProvides leadership and guidance to the Market Credit Managers, Senior Portfolio Specialists, Credit Specialists, Credit Analysts, and Commercial Loan Specialist TeamsCoaches the Market Credit Managers, Senior Portfolio Specialists, Credit Specialists and Credit Analysts in developing value-added credit solutions for our customers that are consistent with the TD Bank Group Risk Appetite PrinciplesEnsures region's response to inquiries and requirements initiated by regulatory agencies, Audit and Credit Risk ReviewEducation & Experience:4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered10+ years' experience in related fieldIn-depth understanding of real estate industry, business development techniques and credit decisionsDemonstrates excellent credit underwriting and administration skillsDemonstrates superior ability to identify and mitigate riskExcellent understanding of value-add credit structuring in a commercial banking environmentExcellent written and verbal communication skills with understanding of business acumenExcellent interpersonal skillsCustomer focusedDemonstrates ability to lead and manage peopleDemonstrates superior planning and organizational skillsProven ability to solve complex problemsTechnologically proficientPhysical Requirements:Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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.