Credit Portfolio Manager II - Metro CRE Mid South
TD Securities, Greenville, SC, United States
Work Location
Greenville, South Carolina, United States of America
Hours 40 hours per week
Pay Details $115,440 - $173,160 USD
Line Of Business Personal & Commercial Banking
Job Description The Credit Portfolio Manager II – Metro CRE role covers investment commercial real estate borrowers with a minimum of $5 million in total lending exposure. Property types include multi‑unit residential, retail, office, industrial, hospitality, and other specialty classes. The position is part of a team of underwriters that covers a geography that includes South Carolina, North Carolina, Virginia, Washington DC, Maryland, and Delaware. Responsibilities include the comprehensive underwriting of new and existing clients and portfolio management such as monitoring financial covenants and interim trends.
The Credit Portfolio Manager II 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 role manages a designated portfolio of commercial loans, assuring all aspects of compliance with loan agreements, regulatory requirements, and underwriting and risk rating policy. The manager oversees the overall risk profile of the portfolio, identifying potential macro and micro risk issues early.
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
Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
May communicate 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
Education & Experience
Bachelor's degree or equivalent work experience required
10+ years related experience required
Strong understanding of commercial business development techniques and credit decisions
Demonstrated credit and financial analysis skills
Knowledge of capital markets is a plus
Refined negotiation skills
Strong communication skills, both verbal and written
PC skills
Physical Requirements 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 (over 25 lbs.) – never
Squatting – occasional
Bending – occasional
Kneeling – never
Crawling – never
Climbing – never
Reaching overhead – never
Reaching forward – occasional
Pushing – never
Pulling – never
Twisting – never
Concentrating for long periods – continuous
Applying common sense to deal with problems involving standardized situations – continuous
Reading, writing and comprehending instructions – continuous
Adding, subtracting, multiplying and dividing – continuous
Our Total Rewards Package Base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several key plans such as 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, and reward and recognition.
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.
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Hours 40 hours per week
Pay Details $115,440 - $173,160 USD
Line Of Business Personal & Commercial Banking
Job Description The Credit Portfolio Manager II – Metro CRE role covers investment commercial real estate borrowers with a minimum of $5 million in total lending exposure. Property types include multi‑unit residential, retail, office, industrial, hospitality, and other specialty classes. The position is part of a team of underwriters that covers a geography that includes South Carolina, North Carolina, Virginia, Washington DC, Maryland, and Delaware. Responsibilities include the comprehensive underwriting of new and existing clients and portfolio management such as monitoring financial covenants and interim trends.
The Credit Portfolio Manager II 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 role manages a designated portfolio of commercial loans, assuring all aspects of compliance with loan agreements, regulatory requirements, and underwriting and risk rating policy. The manager oversees the overall risk profile of the portfolio, identifying potential macro and micro risk issues early.
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
Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
May communicate 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
Education & Experience
Bachelor's degree or equivalent work experience required
10+ years related experience required
Strong understanding of commercial business development techniques and credit decisions
Demonstrated credit and financial analysis skills
Knowledge of capital markets is a plus
Refined negotiation skills
Strong communication skills, both verbal and written
PC skills
Physical Requirements 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 (over 25 lbs.) – never
Squatting – occasional
Bending – occasional
Kneeling – never
Crawling – never
Climbing – never
Reaching overhead – never
Reaching forward – occasional
Pushing – never
Pulling – never
Twisting – never
Concentrating for long periods – continuous
Applying common sense to deal with problems involving standardized situations – continuous
Reading, writing and comprehending instructions – continuous
Adding, subtracting, multiplying and dividing – continuous
Our Total Rewards Package Base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several key plans such as 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, and reward and recognition.
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com.
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