TD

Credit Portfolio Manager I – Commercial Lending

TD

full-time

Posted on:

Location Type: Office

Location: Fort Lauderdale • Florida • United States

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Salary

💰 $91,000 - $136,240 per year

About the role

  • Gathers financial and general business information pertaining to customer and prospect loan requests
  • Performs financial analyses needed to make credit decisions
  • Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors
  • Supports commercial banking team and recommends credit solutions that add value to the Customer
  • Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations
  • Manages overall analytical support and workflow production needs for a department
  • Works on larger, more complex deals, mainly focused on Middle Market
  • Manages and/or leads as well as creates, develops and introduces 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
  • 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
  • Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
  • Communicates 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 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
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 analysisbusiness developmentcredit risk evaluationquantifiable service level standardsnegotiation skillsworkflow productioncredit investigationsloan agreementscommercial banking
Soft Skills
communication skillsconsultative skillsleadershiporganizational skillsinterpersonal skillsteam managementcustomer serviceanalytical skillsproblem-solvingconfidentiality
Certifications
Bachelor's degreecredit risk certificationfinancial analyst certificationcommercial banking certificationnegotiation certificationbusiness development certificationcredit management certificationfinancial modeling certificationaudit certificationproject management certification