Location, Schedule and Compensation
Work Location: Mount Laurel, New Jersey, United States of America. Hours: 40 per week.
Pay Details: $91,000 - $145,600 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.
Department Overview
The Healthcare Practice Solutions Group is a specialized unit within TD that provides customized financing options to healthcare professionals across six defined NAICS codes, including dentists, veterinarians, physicians, optometrists, psychiatrists, and podiatrists. This role sits on a team of analysts serving the full TD footprint. Underwriters assess credit facilities primarily supported by Healthcare Practice Value and a borrower’s capacity for cash flow generation and global debt repayment. Responsibilities include thorough underwriting of both new and existing client relationships, along with limited portfolio management activities such as monitoring financial covenants and completing annual credit reviews.
Role Summary and Scope
The Credit Portfolio Manager I (CPM) gathers financial and general business information for customer and prospect loan requests. It involves performing financial analyses to inform credit decisions, contributing input to the group loan decision process based on credit risk and other key factors, and supporting the commercial banking team by recommending credit solutions that add value to the customer.
Key responsibilities include managing specific credit activities to ensure underwriting quality and timely execution, potentially overseeing analytical support and workflow for the department, and working on larger, more complex Middle Market deals. The CPM may lead, create, develop, and introduce commercial and credit related initiatives. It serves as a consultant to business lines on credit issues, processes and procedures, and acts as a resource for business lines, collaborating with senior management on various issues, managing expectations and timelines. The role partners with Lending/Credit Officers to address exceptions identified by internal or external auditors or examiners. Periodic customer-site inspections to audit accounts and verify loan terms may be performed. Coordination with Account and Relationship Managers for routine financial analyses and credit investigations is required, and credit decisions are communicated to Relationship Managers and Account Managers. The CPM manages workflow and policy adherence for the department, participates in cost-benefit analyses and implementation, and drives service level standards aligned to business performance. Ensuring timely information flow, process efficiency, and confidentiality of credit and customer data are ongoing responsibilities. The position may involve leadership within a regional or market level team of Credit Analysts.
Education and Experience
- Bachelor's degree or equivalent experience
- 5+ years of related experience
- Strong understanding of commercial business development techniques and credit decisions
- Demonstrates a track record in business development
- Wide network of outside referral sources for new business
- Proven credit and financial analysis skills
- Refined negotiation abilities
- Effective verbal and written communication skills
- Proficiency with PC applications
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 – Continuous
- Applying common sense to standardized problems – Continuous
- Reading, writing and understanding instructions – Continuous
- Arithmetic operations – Continuous
Who We Are
TD stands among the leading global financial institutions and ranks as the fifth largest bank in North America by branches. We aim to make every interaction, product, and experience exceptionally human and straightforward for more than 27 million households and businesses worldwide. With over 95,000 TD colleagues, we focus on building deeper relationships, disciplined execution, and a simpler, faster banking experience. We believe all colleagues are client facing and are committed to leadership in client experience as we reimagine banking for clients, colleagues, and communities.
The Total Rewards Package
TD’s Total Rewards package covers base salary plus variable compensation or incentive awards (eligibility for cash and/or equity incentives typically through participation in an incentive plan) and additional key programs such as health and well-being benefits, savings and retirement plans, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and recognition programs. For more details, learn more about our Total Rewards offering.
Additional Information
We are excited you are considering a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we strive to provide the support you need to thrive both professionally and personally.
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