TD Securities
Work Location
Greenville, South Carolina, United States of America
Hours 40 hours per week
Pay Details $91,000 - $136,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues.
Growth opportunities and skill development are defining features of the colleague experience at TD.
Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
The base pay actually offered may vary based upon the candidate's skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line Of Business Personal & Commercial Banking
Job Description The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information pertaining to customer and prospect loan requests.
The role performs financial analyses needed to make credit decisions, contributes and provides input to the group loan decision process based on evaluation of credit risk and other key factors, and supports the commercial banking team by recommending credit solutions that add value to the customer.
Responsibilities
Gather financial and general business information for customer and prospect loan requests; perform financial analyses to support credit decisions.
Contribute to group loan decision process by evaluating credit risk and other key factors.
Support the commercial banking team and recommend credit solutions that add value to customers.
Manage specific credit activities to ensure performance quality, consistency of underwriting, and timeliness that meets or exceeds customer expectations; may manage overall analytical support and workflow production needs for a department.
Work on larger, more complex deals, mainly focused on Middle Market.
Lead and create commercial and credit‑related initiatives as required.
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; manage expectations and negotiate 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; take appropriate action when necessary to correct deficiencies.
Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations.
Communicate credit decisions to Relationship Managers and Account Managers as necessary.
Manage and oversee workflow and adherence to policy for the 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.
Possibly lead a team of credit analysts within a region or market.
Qualifications
Bachelor's degree or equivalent experience.
5+ years related experience.
Strong understanding of commercial business development techniques and credit decisions.
Demonstrated track record of business development.
Extensive network of outside referral sources for new business.
Strong credit and financial analysis skills.
Refined negotiation skills.
Excellent verbal and written communication skills.
Proficient 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 of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
Who We Are TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches.
Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world.
More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support.
We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
Our Total Rewards Package Our total rewards package includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards through participation in an incentive plan) and several other key plans such as health and wellbeing 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.
Learn more.
Additional Information We’re delighted that you’re considering building a career with TD.
Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed.
You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process We’ll reach out to candidates of interest to schedule an interview.
We do our best to communicate outcomes to all applicants by email or phone call.
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. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Investment Banking
#J-18808-Ljbffr
Hours 40 hours per week
Pay Details $91,000 - $136,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues.
Growth opportunities and skill development are defining features of the colleague experience at TD.
Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
The base pay actually offered may vary based upon the candidate's skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line Of Business Personal & Commercial Banking
Job Description The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information pertaining to customer and prospect loan requests.
The role performs financial analyses needed to make credit decisions, contributes and provides input to the group loan decision process based on evaluation of credit risk and other key factors, and supports the commercial banking team by recommending credit solutions that add value to the customer.
Responsibilities
Gather financial and general business information for customer and prospect loan requests; perform financial analyses to support credit decisions.
Contribute to group loan decision process by evaluating credit risk and other key factors.
Support the commercial banking team and recommend credit solutions that add value to customers.
Manage specific credit activities to ensure performance quality, consistency of underwriting, and timeliness that meets or exceeds customer expectations; may manage overall analytical support and workflow production needs for a department.
Work on larger, more complex deals, mainly focused on Middle Market.
Lead and create commercial and credit‑related initiatives as required.
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; manage expectations and negotiate 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; take appropriate action when necessary to correct deficiencies.
Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations.
Communicate credit decisions to Relationship Managers and Account Managers as necessary.
Manage and oversee workflow and adherence to policy for the 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.
Possibly lead a team of credit analysts within a region or market.
Qualifications
Bachelor's degree or equivalent experience.
5+ years related experience.
Strong understanding of commercial business development techniques and credit decisions.
Demonstrated track record of business development.
Extensive network of outside referral sources for new business.
Strong credit and financial analysis skills.
Refined negotiation skills.
Excellent verbal and written communication skills.
Proficient 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 of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
Who We Are TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches.
Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world.
More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support.
We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
Our Total Rewards Package Our total rewards package includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards through participation in an incentive plan) and several other key plans such as health and wellbeing 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.
Learn more.
Additional Information We’re delighted that you’re considering building a career with TD.
Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed.
You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process We’ll reach out to candidates of interest to schedule an interview.
We do our best to communicate outcomes to all applicants by email or phone call.
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. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Investment Banking
#J-18808-Ljbffr