Credit Portfolio Manager II - Metro CRE

Work Location: Boston, Massachusetts, United States of America Hours: 40 Pay Details:

$115,440 - $186,160 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: The Credit Portfolio Manager II role covers Investment Commercial Real Estate Borrowers from $5 million to $50 million in total lending exposure. Property types include: multi‑unit residential, retail, office, industrial, hospitality and other specialty classes. The position is part of a team of underwriters that covers a geography that includes all of New England. Analyst responsibilities include the comprehensive underwriting of new and existing clients and portfolio management such as monitoring financial covenants and interim trends. The above details are specific to the role which is outlined in the general description below. 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 Credit Portfolio Manager II 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 job 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 timeliness 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 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 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 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. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well‑being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more ( Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. 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 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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information. #J-18808-Ljbffr TD Bank