Healthcare Commercial Credit Mgr
Company: myGwork
Location: Greenville
Posted on: March 17, 2023
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Job Description:
Company Overview About TD Bank, America's Most Convenient Bank -
TD Bank, America's Most Convenient Bank, is one of the 10 largest
banks in the U.S., providing over 9.8 million customers with a full
range of retail, small business and commercial banking products and
services at more than 1,100 convenient locations throughout the
Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In
addition, TD Auto Finance, a division of TD Bank, N.A., offers
vehicle financing and dealer commercial services. TD Bank and its
subsidiaries also offer customized private banking and wealth
management services through TD Wealth -. TD Bank is headquartered
in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook
at and on Twitter at and TD Bank, America's Most Convenient Bank,
is a member of TD Bank Group and a subsidiary of The
Toronto-Dominion Bank of Toronto, Canada, a top 10 financial
services company in North America. The Toronto-Dominion Bank trades
on the New York and Toronto stock exchanges under the ticker symbol
"TD". To learn more, visit We offer a competitive salary and
benefit program, including: comprehensive, affordable health care
through medical, dental, and vision coverage; financial security
with life and disability insurance; opportunities to save using
health savings and flexible spending accounts; retirement benefits
to help prepare for the future; paid time off and work/life
benefits to maintain a good balance. The Commercial Credit Manager
(CCM) 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.
Performs 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
Supervises Credit Analysts in creation of preliminary spreads,
cashflow, 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 ensure that all
staff complete required compliance attestations/training within
required timelines
Assesses 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
Have joint signature approval on credits within delegated limits
and make 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 TD's risk management strategy (both credit
and operational)
Implements and operates systems to identify and mitigate
operational risk issues, including acting as the Unit's designated
anti-money laundering officer
Understands changing market conditions and remain knowledgeable of
relevant industry issues
Responsible for managing 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
May lead a team of Analysts in monitoring loan covenants, loan
delinquencies, and the annual review and renewal of existing credit
relationships Requirements Undergraduate degree in Accounting or
Finance; MBA and MBA candidates preferred
Minimum 5 years experience in related field
Strong credit underwriting and administration skills
Demonstrates ability to identify and mitigate risk
Solid understanding of value-add credit structuring in a commercial
banking environment
Strong communication skills with understanding of business
acumen
Solid interpersonal skills
Customer focused
Strong planning and organizational skills
myGwork - LGBTQ+ professionals, the business community for LGBTQ+
professionals,
students, inclusive employers & anyone who believes in workplace
equality.
Keywords: myGwork, Greenville , Healthcare Commercial Credit Mgr, Other , Greenville, North Carolina
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