Credit Portfolio Manager II - Middle Market (Remote)

Work Location:

Mount Laurel, New Jersey

Hours:

40

Pay Details:

$120,000 - $198,000 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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:

Credit Management

Job Description:

Do you enjoy a challenge and like to win? So do we! Join TD's Franchise Finance Group as we embark on a multi-year strategy to expand into new geographies and add new franchisor brands. We're a growing team that values a flexible work environment and prioritizes career development.

The Franchise Finance Group provides a comprehensive suite of financing solutions and treasury management tools to experienced franchisees with multiple stores in proven concepts and middle market franchisors. Average transactions size ranges from $10 million to $150 million, specializing in enterprise value loans, leveraged lending and syndicated transactions.

Accelerate your career and apply today!

The Credit Portfolio Manager II (CPM), Middle Market 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, MM manages a designated portfolio of Middle Market commercial loans assuring all aspects of compliance with loan agreements, regulatory requirements and underwriting and risk rating policy are met.  The Credit Portfolio Manager II (CPM), Middle Market oversees the overall risk profile of a Middle Market portfolio, identifying potential macro and micro risk issues (both positive and negative) early on.

Depth & Scope:

• Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required
• 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
• Coordinates with Relationship Managers to perform routine financial analyses and credit investigations
• May communicates credit decisions to Relationship 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

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