Commercial Credit Mgr II - Regional Commercial Banking

About the role

Work Location: Coral Gables, Florida, United States of America Hours: 40 Pay Details: $148,720 - $223,080 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 Commercial Credit Manager is responsible for ensuring quality underwriting, compliance and credit monitoring within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job manages the credit underwriting and credit administration functions within a Regional Market or Middle Market. The key accountabilities of this role are credit understanding and approval, people management, development and coaching of the credit analysts, and ensuring continued coaching in credit skills and capabilities development and career development for analysts. The Commercial Credit Manager manages a subset of credit analysts within a market, where teams are large enough to warrant the position. The Commercial Credit Manager works closely with the Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Depth & Scope: Manages preliminary research on potential customers to determine alignment with TD Bank products/structure while also assisting in assessments of credit needs and alignment with TD Credit Risk Appetite Attends site visits as needed or as requested Manages Credit Analysts in creation of preliminary spreads, cash flow, BRR, and term sheet used and assets on the decision to move forward with potential clients; Has oversight of Officer Analysis, input BRR, FRR, Covenant & ARD Ensures that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc) and ensures that all staff complete required compliance attestations/training within required timelines Manages all credit applications, ensuring they provide a high quality of risk assessment, credit structure analysis, due diligence, and credit presentation Ensures appropriate balance between customer risk and pricing Has joint signature approval on credits within delegated limits and makes recommendations on all others Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures Interprets and applies TDs risk management strategy (both credit and operational) Implements and operates systems to identify and mitigate operational risk issues, including acting as the Units designated anti-money laundering officer Understands changing market conditions and remains knowledgeable of relevant industry issues Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and assists in developing strategy if failures occur, completing monthly monitoring Leads a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships Education & Experience: Undergraduate degree in Accounting or Finance MBA preferred 10+ years experience in related field Demonstrates credit underwriting and administration skills. Proven ability to identify and mitigate risk. In-depth understanding of value-add credit structuring in a commercial banking environment. Excellent communication skills with proven understanding of business acumen. Demonstrates interpersonal skills. Customer focused. Demonstrated planning and organizational 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 Squatti

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