Credit Portfolio Manager I - Regional Commercial Banking

TD•Portland, ME

3d•$91,000 - $136,240•Onsite

About The Position

The role is centered on Regional Commercial Borrowers, specifically businesses with annual revenues under $250 million. These organizations span a diverse range of industries and sectors, including manufacturers, distribution companies and retailers, general non-profits, service providers, and investment commercial real estate borrowers. The position functions as part of a team of underwriters dedicated to covering the New England Market’s geography. Responsibilities include comprehensive underwriting for both new and existing clients, as well as portfolio management tasks such as monitoring financial covenants and interim trends. This position collaborates closely to support the Lending and Credit functions within the Bank. 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. The CPM manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations. They may manage overall analytical support and workflow production needs for a department. This role works on larger, more complex deals, mainly focused on Middle Market. The CPM may manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives. They act as a consultant to business lines regarding credit issues, processes and procedures and functions as a resource for business lines and works with senior management on various issues, managing expectations and negotiating timelines. The CPM partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners. They perform periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms, taking appropriate action as necessary to correct deficiencies. The CPM coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations and may communicate credit decisions to Relationship Managers and Account Managers. They manage and oversee workflow and adherence to policy for department, participate in organizational cost benefit analysis and implementation, and manage activities by creating and maintaining quantifiable service level standards against business performance. The CPM ensures timeliness of information and efficiency in process and workflow and maintains confidentiality of credit and customer information at all times. They may lead a team of Credit Analysts within a region or market.

Requirements

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

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 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.