Credit Portfolio Manager II - Metro CRE

TD•Orlando, FL

1d•$115,440 - $173,160•Onsite

About The Position

The Credit Portfolio Manager II performs financial analysis to support credit decisions on new and existing business, supports the commercial banking team, and recommends credit solutions that add value to customers. The role manages a designated portfolio of commercial loans, ensuring compliance with loan agreements, regulatory requirements, underwriting standards, and risk-rating policies. It oversees the portfolio’s overall risk profile and identifies potential macro- and micro-level risks and opportunities early. The position manages complex credit activities, including larger and more complex Middle Market and specialized lending deals. It may manage analytical support and workflow production, lead or develop commercial and credit-related initiatives, and advise business lines on credit issues, processes, and procedures. The role partners with Lending and Credit Officers, Account and Relationship Managers, and senior management, and may lead a regional or market team of Credit Analysts. The role is based in Greenville, South Carolina, and includes occasional domestic travel. The stated schedule is 40 hours.

Requirements

Bachelor's degree or work experience equivalent to a Bachelor's degree.
10 or more years of related experience.
Strong understanding of commercial business development techniques and credit decisions.
Demonstrated credit and financial analysis skills.
Refined negotiation skills.
Demonstrated verbal and written communication skills.
Demonstrated PC skills.

Nice To Haves

Working knowledge of capital markets.

Responsibilities

Manage complex credit activities to ensure underwriting quality and consistency, timely workflow, and customer expectations are met or exceeded.
Manage a designated portfolio of commercial loans and ensure compliance with loan agreements, regulatory requirements, underwriting standards, and risk-rating policies.
Monitor the risk profile of the portfolio and identify potential macro- and micro-level risks and opportunities.
Work on larger, complex deals, primarily Middle Market and highly specialized lending.
Manage analytical support and workflow production needs for a department, where applicable.
Create, develop, introduce, or lead commercial and credit-related initiatives.
Consult with business lines regarding credit issues, processes, and procedures.
Serve as a resource to business lines and work with senior management on issues, expectations, and timelines.
Partner with Lending and Credit Officers to address exceptions identified by internal or external auditors or examiners.
Conduct periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements and terms; take action to correct deficiencies.
Coordinate with Account and Relationship Managers on routine financial analyses and credit investigations.
Communicate credit decisions to Relationship Managers and Account Managers, where applicable.
Oversee departmental workflow and adherence to policy.
Participate in organizational cost-benefit analysis and implementation.
Create and maintain quantifiable service-level standards tied to business performance.
Ensure timely information and efficient processes and workflows.
Maintain confidentiality of credit and customer information.
May lead a team of Credit Analysts within a region or market.