Credit Portfolio Manager I - Franchise Finance Group

$86,840 - $139,360/Yr

TD Bank - Boston, MA

Full-time - Mid Level

Boston, MA

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 in recommending credit solutions that add value to customers. The position emphasizes a flexible work environment and career development opportunities within a growing team focused on franchise finance.

Responsibilities

• Gather financial and general business information pertaining to customer and prospect loan requests.
• Perform financial analyses needed to make credit decisions.
• Contribute and provide input to group loan decision process based on evaluation of credit risk and other key factors.
• Support commercial banking team and recommend credit solutions that add value to the Customer.
• Manage specific credit activities to ensure performance quality, consistency of underwriting, and timeliness meets or exceeds Customer expectations.
• Work on larger, more complex deals, mainly focused on Middle Market.
• Manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives.
• 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; managing expectations and negotiating 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.
• 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 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.
• 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

• Health insurance
• Paid time off