Credit Portfolio Manager

Work Location Charlotte, North Carolina, United States of America Hours 40 Pay Details $91,000 - $145,600 USD Line of Business Personal & Commercial Banking Job Description Department Overview The Credit Portfolio Manager role primarily supports Non‑Profit and Education Commercial Borrowers. The portfolio is comprised of social services agencies, cultural institutions, charitable and scientific organizations, membership associations, religious organizations, schools, and other social benefit organizations. The position is part of a team of underwriters who support the Greater Mid‑Atlantic geography. Responsibilities include the comprehensive underwriting of new and existing clients and portfolio management activities such as monitoring covenants and reviewing interim trends. Depth & Scope Gather financial and general business information pertaining to customer and prospect loan requests, perform financial analyses needed to make credit decisions, contribute and provide input to group loan decision process based on evaluation of credit risk and other key factors, support commercial banking team and recommend credit solutions that add value to the Customer Manage 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 Work 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 Act as a consultant to business lines regarding credit issues, processes and procedures Function as a resource for business lines and work with senior management on various issues; managing expectations and negotiating timelines Partner with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners Perform periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; take appropriate action as necessary to correct deficiencies Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations May communicate credit decisions to Relationship Managers and Account Managers Manage and oversee workflow and adherence to policy for department Participate in organizational cost‑benefit analysis and implementation Manage activities by creating and maintaining quantifiable service level standards against business performance Ensure timeliness of information and efficiency in process and workflow Maintain 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 Benefits Our Total Rewards package includes base salary and variable compensation, health and well‑being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. 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. For applicants with a disability who need accommodations, please email View email address on click.appcast.io with your full name, contact information, and the accommodation needed to assist you with the application process. #J-18808-Ljbffr