Credit Portfolio Manager Ii - Braintree, United States - TD Bank

TD Bank
TD Bank
Verified Company
Braintree, United States

3 weeks ago

Mark Lane

Posted by:

Mark Lane

beBee recruiter
Description

Work Location:

Remote Braintree (MA)


Hours:

40


Pay Details:

110, ,400. USD


Line of Business:

Personal & Commercial Banking


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 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 creditrelated 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
  • 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 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

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
  • Responding quickly to sounds
  • Occasional


  • Sitting

  • Continuous


  • Standing

  • Occasional


  • Walking

  • Occasional
  • Moving safely in confined spaces
  • Occasional
  • Lifting/Carrying (under 25 lbs.)
  • Occasional
  • Lifting/Carrying (over 25 lbs.)
  • Never


  • Squatting

  • Occasional


  • Bending

  • Occasional


  • Kneeling

  • Never


  • Crawling

  • Never


  • Climbing

  • Never


  • Reaching overhead

  • Never


  • Reaching forward

  • Occasional


  • Pushing

  • Never


  • Pulling

  • Never


  • Twisting

  • Never
  • Concentrating for long periods of time
  • Continuous
  • Reading, writing and comprehending instructions
  • Continuous
  • Adding, subtracting, multiplying and dividing
  • Continuous


The 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 world's 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 95,000 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 capa
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