Credit Portfolio Manager - Metro CRE Mid South

Work Location

Greenville, South Carolina, United States of America

40 hours per week

$91,000 - $136,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  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 candidate's 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.

Personal & Commercial Banking

The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information pertaining to customer and prospect loan requests. The role performs financial analyses needed to make credit decisions, contributes and provides input to the group loan decision process based on evaluation of credit risk and other key factors, and supports the commercial banking team by recommending credit solutions that add value to the customer.

• Gather financial and general business information for customer and prospect loan requests; perform financial analyses to support credit decisions.
• Contribute to group loan decision process by evaluating credit risk and other key factors.
• Support the commercial banking team and recommend credit solutions that add value to customers.
• Manage specific credit activities to ensure performance quality, consistency of underwriting, and timeliness that meets or exceeds customer expectations; may manage overall analytical support and workflow production needs for a department.
• Work on larger, more complex deals, mainly focused on Middle Market.
• Lead and create commercial and credit‑related initiatives as required.
• 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; manage expectations and negotiate 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; take appropriate action when necessary to correct deficiencies.
• Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations.
• Communicate credit decisions to Relationship Managers and Account Managers as necessary.
• Manage and oversee workflow and adherence to policy for the department.
• Participate in organizational cost‑benefit analysis and implementation.
• Manage activities by creating and maintaining quantifiable service‑level standards against business performance.
• Ensure timeliness of information and efficiency in process and workflow.
• Maintain confidentiality of credit and customer information at all times.
• Possibly lead a team of credit analysts within a region or market.

• Bachelor's degree or equivalent experience.
• 5+ years related experience.
• Strong understanding of commercial business development techniques and credit decisions.
• Demonstrated track record of business development.
• Extensive network of outside referral sources for new business.
• Strong credit and financial analysis skills.
• Refined negotiation skills.
• Excellent verbal and written communication skills.
• Proficient PC skills.

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…