Credit Portfolio Manager II at TD Bank

Work Location:Glassboro New Jersey United States of AmericaHours:40Pay Details:$115440 - $173160 USDTD 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 candidates 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 BankingJob Description: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 departmentWorks on larger complex deals mainly focused on Middle Market and highly specialized lendingMay manage and/or lead as well as create develop and introduce commercial and credit-related initiativesActs as a consultant to business lines regarding credit issues processes and proceduresFunctions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelinesPartners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examinersPerforms periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; Takes appropriate action as necessary to correct deficienciesCoordinates with Account and Relationship Managers to perform routine financial analyses and credit investigationsMay communicates credit decisions to Relationship Managers and Account ManagersManages and oversees workflow and adherence to policy for departmentParticipates in organizational cost benefit analysis and implementationManages activities by creating and maintaining quantifiable service level standards against business performanceEnsures timeliness of information and efficiency in process and workflowMaintains confidentiality of credit and customer information at all timesMay lead a team of Credit Analysts within a region or marketEducation & ExperienceBachelors degree or work experience equivalent to a Bachelors degree required10 years related experience requiredStrong understanding of commercial business development techniques and credit decisionsDemonstrates credit and financial analysis skillsWorking knowledge of capital markets is a plusRefined negotiation skillsDemonstrates communication skills both verbal and written.Demonstrates PC skillsPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel OccasionalInternational Travel NeverPerforming sedentary work ContinuousPerforming multiple tasks ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds OccasionalSitting ContinuousStanding OccasionalWalking OccasionalMoving safely in confined spaces OccasionalLifting/Carrying (under 25 lbs.) OccasionalLifting/Carrying (over 25 lbs.) NeverSquatting OccasionalBending OccasionalKneeling NeverCrawling NeverClimbing NeverReaching overhead NeverReaching forward OccasionalPushing NeverPulling NeverTwisting NeverConcentrating for long periods of time ContinuousApplying common sense to deal with problems involving standardized situations ContinuousReading writing and comprehending instructions ContinuousAdding subtracting multiplying and dividing ContinuousThe 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.Who We Are:TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.Our Total Rewards PackageOur 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 moreAdditional Information:Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.Colleague Development If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.Training & OnboardingWe will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.Interview Process Well 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.AccommodationTD 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 . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.Required Experience:Manager Key Skills Project / Program Management,Project Portfolio Management,Portfolio Management,Credit Analysis,Banking,Pricing,Analysis Skills,Project Management,Financial Analysis,Budgeting,Property Management,Contracts Employment Type : Full-Time Experience: years Vacancy: 1 Monthly Salary Salary: 115440 - 173160