Credit Portfolio Manager I - Commercial Lending

TD Bank; Tampa (FL); On-site; USD 91,000 - 136,240; Full time

Benefits offered by this job

Health benefits

Savings & retirement

Paid time off

Job summary

TD Bank in Tampa, Florida, seeks a Credit Portfolio Manager I to analyze borrower financials, support loan decisions, and structure credit solutions for middle-market commercial clients. The CPM I will partner with Lending Officers, perform financial reviews, and monitor risk while driving timely underwriting.

This role collaborates with Relationship Managers to address exceptions and ensure adherence to credit policies, enabling value-added solutions and continued client growth within a leading

Qualifications

• Bachelor's degree or equivalent experience required.
• Strong credit and financial analysis skills.
• Refined negotiation and communication abilities.

Responsibilities

• Gather financial and business information for customer and prospect loan requests.
• Perform financial analyses to support credit decisions and contribute to loan decisions.
• Recommend credit solutions and monitor underwriting quality and timeliness.
• Coordinate with Lending/Credit Officers and Relationship Managers to address exceptions and drive process efficiency.

Skills

Credit analysis

Financial analysis

Negotiation

Communication

Business development

Education

Bachelor's degree or equivalent experience

Job description

## Credit Portfolio Manager I - Commercial LendingPostulerremote type: Sur placelocations: Tampa, Florida: Orlando, Floridatime type: Temps pleinposted on: Publié aujourd'huitime left to apply: Date de fin : 7 août 2026 (Il reste 10 jours pour postuler)job requisition id: R\_1500924**Work Location:**Tampa, Floride, États-Unis d'Amérique**Hours:**40**Pay Details:**$91,000 - $136,240 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 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:**Services bancaires personnels et commerciaux**Job Description:**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 experience* 5+ years related experience* Strong understanding of commercial business development techniques and credit decisions.* Demonstrates business development track record* Strong market presence with wide network of outside referral sources for new business* Demonstrates credit and financial analysis skills* Refined negotiation skills* Demonstrates communication skills, both verbal and written.* Demonstrates 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 – ContinuousThe 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 required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.**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/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.**Our Total Rewards Package**Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes 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 other 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. 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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.**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 [e-mail]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.