Credit Portfolio Manager I - Education​/Not for Profit

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:$91,000 - $145,600 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  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:

Department Overview:

The Credit Portfolio Manager role primarily supports Non-Profit and Education Commercial Borrowers. The portfolio is comprised of social services agencies, cultural institutions, charitable and scientific organizations, membership associations, religious organizations, schools, and other social benefit organizations. The position is part of a team of underwriters who support the Greater Mid-Atlantic geography. Responsibilities include the comprehensive underwriting of new and existing clients and portfolio management activities such as monitoring covenants and reviewing interim trends.

The above details are specific to the role which is outlined in the general description below.

The Credit Portfolio Manager I (CPM) is responsible to gather financial and general business information pertaining to customer and prospect loan requests. This job performs financial analyses needed to make credit decisions, contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors and supports commercial banking team and recommends credit solutions that add value to the Customer.

Depth & Scope:

Gathers financial and general business information pertaining to customer and prospect loan requests, performs financial analyses needed to make credit decisions;
Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors;
Supports commercial banking team and recommends credit solutions that add value to the Customer Manages specific 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, more complex deals, mainly focused on Middle Market 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;
Takes appropriate action as necessary to correct deficiencies

Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations

May communicates 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 experience5+ years related experience

Strong understanding of commercial business development techniques and…