Credit Portfolio Manager II – Commercial Lending
TD
full-time
Posted on:
Location Type: Office
Location: Coral Gables • Florida • United States
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Salary
💰 $115,440 - $173,160 per year
About the role
- 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
- 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
- oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on
- 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
- 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 communicate 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
Requirements
- 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
Benefits
- 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
- reward and recognition
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysiscredit analysiscommercial lendingrisk assessmentunderwritingportfolio managementcapital marketscost benefit analysisquantifiable service level standards
Soft Skills
negotiationcommunicationconsultingteam leadershiporganizational skills