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Credit Portfolio Manager II - Coral Gables, FL #7249788

Company: TD Bank

Date: 01/24/2020

Category: Banking

City: Coral Gables, FL


Job Title:

Credit Portfolio Manager II

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit at Find TD Bank on Facebook at and on Twitter at .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit at .

Auto req ID:


Department Overview:

Job Profile Summary

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.


United States

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.



Job Description:

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 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; 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


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.




Coral Gables


Education & Experience

Bachelor's degree or work experience equivalent to a Bachelor's degree required

10+ years related experience required

Not for Profit experience preferred

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

Work Location:

255 Alhambra Circle

Business Line:

TD Commercial Banking

Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

**Province/State (Primary):


City (Primary):

Coral Gables

Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:


Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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