Credit Management- Policy & Process Mgr II Job at TD Bank
TD Description
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.
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.
Job Description
Provides leadership in the development, deployment and ongoing management of credit policy requests in compliance with the Banks Credit Risk Policy Review and Approval process, and other related procedural and process changes, as required
Manages the development and execution of requests for new or amended Credit Policies & related Procedures in support of business requirements
Ensures requests are properly analyzed, documented, rationalized, presented and approved in form and substance consistent with the Banks Risk Appetite Framework, within appropriate standards of quality and turnaround time
Manages a team of employees
Responsible for performance management, compensation decisions, and PDP's
Participates in Credit Policy Working Group meetings and other senior stakeholder meetings, providing thought leadership by routinely contributing value add insight and input to the formulation of policies, procedures, process and business strategies
Works closely with the U.S. Commercial and Small Business Data Steward, Data Quality and Data Management team members, and other Bank stakeholders to support Commercials ongoing data quality governance and data quality management activities in adherence of Basel regulatory requirements and the TD Enterprise Data Governance framework
Works closely with the Director of Credit Policy, Process & Strategy to support ongoing working relationship with regulatory agencies as required regarding policies, procedures, process, and performance of Commercial businesses
Ensures that Commercial's Credit Management related initiatives are implemented throughout the Credit Management Organization within Commercial, working closely with individual Directors of Credit Management and other officers and staff
Provides leadership through lead participation in the development and execution of Credit Management Training and Communication related initiatives, as required
Provides support to the Director of Credit Policy, Process & Strategy for the benefit of the Credit Management Group in Commercial, including lead participation in special projects, as required
Works closely with the Commercial Controls & Reporting Group to ensure oversight of business lines compliance/risk controls, and satisfactory remediation of Commercial business unit and/or resolution of this groups activities impacting Credit Management, and periodically participate in the evaluation of risk mitigation efforts to make adjustments as risk/department influences change
Provides direct support to the Director of Credit Policy, Process & Strategy in satisfying chief of staff duties for the office of Head of Credit Management Corporate & Specialty Banking as necessary including but not limited to management of communications and business meetings
Provides support to the Director of Credit Policy, Process & Strategy in working with Executive Leadership in Commercial to achieve successful audits and exams, and in supporting satisfactory remediation activities from audits and exams, as required
Works closely with the US Internal Risk Rating Group and Credit Management teams in Commercial, contributing as valued resource and/or stakeholder as necessary in support of the ongoing development of risk rating models and the accuracy of risk ratings
Provides oversight in the preparation of management reporting to summarize the status of Credit Management related projects, initiatives, and workflow pipeline activities
Takes accountability for creating a positive Employee Experience for the team as a whole
Establishes an open line of communication with direct report(s) and team members, and relays appropriate information in a timely manner fostering a culture of transparency
Job Requirements
Bachelors degree or progressive work experience in addition to experience below
MBA or other related graduate degree preferred
10+ years related experience required
Broad background in credit, credit administration and related Commercial Banking experience
Ability to effective manage others with leadership, coaching and delegation abilities
Self-driven and have excellent problem solving skills
Demonstrated capacity to build strong collaborative business and technology relationships
Excellent written, verbal, and communication skills
Proficiency in various general computing skills extending to full suite of Microsoft applications including use of Excel, PowerPoint, Visio, Access, and Word
Qualifications
- Material Commercial Credit Risk, and/or Credit Management / Underwriting, and/or Credit Lending Experience
- Ability to independently manage / lead the time sensitive development and execution of requests for new or amended Credit Policies, related Procedures, strategies, and process improvement projects / initiatives in support of the Commercial Bank's various lending verticals and LOBs
- Leadership qualities to successfully develop, deploy and manage ongoing credit policy requests in compliance with the Banks Credit Risk Policy Review and Approval process, and other related procedural and process changes
- Position does not currently have People Manager responsibilities
Inclusiveness
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.
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