Credit Portfolio Manager I - Education/Not for Profit

Work Location Charlotte, Caroline du Nord, États-Unis d'Amérique Hours 40 Pay Details $91,000 - $145,600 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 Services bancaires personnels et commerciaux 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. 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. Responsibilities 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 communicate 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 Equal Opportunity Employer 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 US Workplace Accommodations Program at 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. #J-18808-Ljbffr