Commercial Credit Manager Ii Middle Market

4 weeks ago

New York, United States TD Bank Full time

Work Location:
New York, New York

Hours:
40

Pay Details:
$141,960.00 - $230,880.00 USD

Line of Business:
Personal & Commercial Banking

**Job Description**:
TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The VP - Sponsor Finance Credit Management is responsible for managing junior team members and leading teams underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite. The key accountabilities of this role are deep understanding of credit, people management, development and coaching. The role works closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships. This person will also interact directly with external law firms as well as investment banking and other partners throughout TD. The VP - Sponsor Finance is also responsible for monitoring existing loan portfolios and performing ongoing credit reviews to identify potential risks and opportunities, and actively engaging in discussions with clients including sponsors to support business development efforts.

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
- 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
- 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
- Reading, writing and comprehending instructions - Continuous
- Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills require

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