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TD Bank Healthcare Credit Portfolio Manager I in Portland, Maine


Job Title:

Healthcare Credit Portfolio Manager I

TD Description:

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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

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 www.td.com .

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Department Overview:

The Regional Healthcare Credit Management Team supports the Healthcare Practice Solutions Group (HPSG) Line of Business in underwriting/approving loans to majority owned healthcare borrowers (typically, dental, veterinarian and medical practice) that derive revenue from the treatment of patients. These credit facilities rely on Healthcare Practice Value (HPV) lending limits that are assessed/validated by the Credit Management team. A combined approach of evaluating the financial positions of both the practice and the practitioner(s) personally is an integral part of the underwriting process. This approach is used primarily because the HC practitioner:

• Typically extracts all profit through salaries, benefits and distributions,

• Personally guarantees the debt

• Typically carries a high personal debt load (inclusive of student loan obligations).

The intent of this underwriting approach is primarily to determine the appropriate amount of credit that may be extended to a Healthcare borrower based on a holistic assessment of HPV and their capacity for cash flow generation and global debt repayment.


United States

Job Requirements:

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

  • Must be eligible for employment under regulatory standards applicable to the position.



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.


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Florida, Maine, New Hampshire, New Jersey, Pennsylvania, South Carolina


Columbia, Exton, Flemington, Greenville, Mount Laurel, Portland, Portsmouth, Toms River, West Palm Beach


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

Work Location:

1 Portland Square, 100 Iron Lake Boulevard, 1101 Hooper Avenue, 1501 Main Street (Columbia), 2130 Centrepark West Drive, 333 State Street, Greenville Campus Building A - 200 Carolina Point Parkway, Mount Laurel - 12000 Horizon Way, One Royal Road

Business Line:


Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

**Province/State (Primary):

New Jersey

ProvState 2:

New Jersey

ProvState 3:


ProvState 4:

South Carolina

ProvState 5:

South Carolina

ProvState 6:

New Hampshire

ProvState 7:


ProvState 8:


ProvState 9:

New Jersey

City (Primary):


City(s) 2:

Mount Laurel

City(s) 3:


City(s) 4:


City(s) 5:


City(s) 6:


City(s) 7:


City(s) 8:

West Palm Beach

City(s) 9:

Toms River

Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:


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