Credit Portfolio Manager I - State & Municipal

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $100,000 - $150,000 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: Department Overview: This Credit Portfolio Manager I position is within TD's specialized State & Municipal Credit Management vertical and will be on the Northeastern US team. The Credit Portfolio Manager I manages credit activities including underwriting new loan requests and monitoring portfolio risk for their assigned portfolio of governmental borrowers including state and local governments (cities, towns, counties & school districts), housing authorities, airports, utilities, economic development agencies, and public colleges. This role involves completing comprehensive but concise credit write-ups and conducting in-depth financial and industry analysis to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives. The ideal candidate will have a strong background in credit analysis and enthusiasm for developing or deepening their expertise in government finance, is detail-oriented and resourceful with strong research and problem-solving skills, exhibits exemplary writing capabilities and excellent communication skills, has ability to take initiative with a collaborative, flexible and team-oriented mentality, and is a self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with quick turnaround deadlines. This is a career path with opportunities for advancement. Location is flexible. The above details are specific to the role which is outlined in the general description below. 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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Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation 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 TDBankUS Workplace Accommodations Program View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute tomaking the world a better,more inclusiveplace for ourcustomers, colleagues, and communities.Learnmore: Canada|US|Europe & AsiaPacific #J-18808-Ljbffr TD Bank Group