Credit Portfolio Manager I - Metro CRE
Description
The Credit Portfolio Manager I position at TD Bank involves managing investment commercial real estate borrowers with exposure from $5 million to $50 million, covering property types like multi-unit residential, retail, office, industrial, and hospitality. The role is part of a team focusing on the New England geography. Key responsibilities include comprehensive underwriting of new and existing clients, portfolio management, financial analysis for credit decisions, and providing credit solutions to commercial banking clients. The manager contributes to loan decision processes, ensures credit activity quality and timeliness, and acts as a consultant on credit issues.
What We're Looking For
Gather financial and general business information for customer and prospect loan requests,Perform financial analyses needed to make credit decisions,Contribute and provide input to group loan decision process based on evaluation of credit risk and other key factors,Support commercial banking team and recommend credit solutions that add value to the Customer,Manage specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations,Work on larger, more complex deals, mainly focused on Middle Market,Act as a consultant to business lines regarding credit issues, processes and procedures,Function as a resource for business lines and work with senior management on various issues; managing expectations and negotiating timelines,Partner with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners,Perform periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms,Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations,May communicate credit decisions to Relationship Managers and Account Managers,Manage and oversee workflow and adherence to policy for department,Participate in organizational cost benefit analysis and implementation,Ensure timeliness of information and efficiency in process and workflow,Maintain confidentiality of credit and customer information at all times
Ideal Candidate
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
Minimum Education
Bachelor's Degree
Hard Skills
Soft Skills
Work Hours
40 hours/week
Benefits
Special Commitments
Must be willing to travel (domestic, occasional)
About the Company
The Toronto-Dominion Bank
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group, one of the largest banks in North America. TD provides a wide range of personal, commercial, and investment banking products and services to over 27 million customers globally. Headquartered in Toronto, Canada, the bank operates through key segments including Canadian Retail, U.S. Retail, and Wholesale Banking.
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