Credit Portfolio Manager I - Franchise Finance Group

$86,840 - $139,360/Yr

TD Bank - Portland, ME

Full-time - Mid Level

Portland, ME

5,001-10,000 employees

Credit Intermediation and Related Activities

About the position

The Credit Portfolio Manager I at TD Bank's Franchise Finance Group is responsible for managing the underwriting of transactions for McDonald's multi-unit operators. This role involves gathering financial information, performing credit analyses, and supporting the commercial banking team to recommend credit solutions that add value to customers. The position emphasizes a flexible work environment and career development opportunities.

Responsibilities

• Gather financial and general business information pertaining to customer and prospect loan requests.
• Perform financial analyses needed to make credit decisions.
• Contribute to the group loan decision process based on evaluation of credit risk and other key factors.
• Support the commercial banking team and recommend credit solutions that add value to the customer.
• Manage specific credit activities to ensure performance quality and consistency of underwriting.
• Work on larger, more complex deals focused on Middle Market.
• 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.
• Partner with Lending/Credit Officers to address exceptions identified by auditors and/or examiners.
• Perform periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements.
• Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations.
• Communicate credit decisions to Relationship Managers and Account Managers.
• Manage and oversee workflow and adherence to policy for the department.
• Participate in organizational cost benefit analysis and implementation.
• Create and maintain 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.
• 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 a 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

• Base salary and variable compensation/incentive awards.
• 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 opportunities.
• Reward and recognition programs.