Credit Portfolio Manager ll - Middle Market (Remote)

$120,000 - $198,000/Yr

TD Bank - Greenville, SC

Full-time - Mid Level

Onsite - Greenville, SC

10,001+ employees

Credit Intermediation and Related Activities

About the position

Join TD's Franchise Finance Group as a Credit Portfolio Manager II (CPM) for Middle Market, where you will play a crucial role in our multi-year strategy to expand into new geographies and add new franchisor brands. This position is designed for individuals who thrive on challenges and are eager to contribute to a growing team that values flexibility and career development. The Franchise Finance Group offers a comprehensive suite of financing solutions and treasury management tools tailored for experienced franchisees with multiple stores in proven concepts and middle market franchisors. The average transaction size ranges from $10 million to $150 million, focusing on enterprise value loans, leveraged lending, and syndicated transactions. As a Credit Portfolio Manager II, you will be responsible for performing financial analyses to make informed credit decisions on both new and existing business. You will support the commercial banking team by recommending credit solutions that add value to our customers. Your role will involve managing a designated portfolio of Middle Market commercial loans, ensuring compliance with loan agreements, regulatory requirements, and underwriting and risk rating policies. You will oversee the overall risk profile of the portfolio, identifying potential macro and micro risk issues early on. In this position, you will provide leadership by hiring top talent, setting goals, developing staff, managing performance, and promoting teamwork. You will manage complex credit activities to ensure quality performance and consistency in underwriting, while also leading commercial and credit-related initiatives. Your expertise will be sought as a consultant to business lines regarding credit issues, processes, and procedures, and you will work closely with senior management to manage expectations and negotiate timelines. Additionally, you will coordinate with Relationship Managers to conduct routine financial analyses and credit investigations, ensuring adherence to policy and maintaining confidentiality of credit and customer information at all times.

Responsibilities

• Perform financial analysis to make credit decisions on new and existing business.
• Support the commercial banking team and recommend credit solutions that add value to the customer.
• Manage a designated portfolio of Middle Market commercial loans, ensuring compliance with loan agreements and regulatory requirements.
• Oversee the overall risk profile of a Middle Market portfolio, identifying potential macro and micro risk issues early on.
• Provide people management leadership by hiring talent, setting goals, and managing employee performance.
• Manage complex credit activities to ensure performance quality and consistency of underwriting.
• Work on larger, complex deals focused on Middle Market and specialized lending.
• Act as a consultant to business lines regarding credit issues, processes, and procedures.
• Coordinate with Relationship Managers to perform routine financial analyses and credit investigations.
• Communicate credit decisions to Relationship Managers and manage workflow adherence to policy.

Requirements

• Bachelor's degree or equivalent work experience required.
• 10+ years of 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 strong verbal and written communication skills.
• Proficient in PC skills.

Nice-to-haves

• Experience in managing complex credit activities.
• Familiarity with treasury management tools and financing solutions for franchisees.

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.