The CSB Senior Portfolio Specialist is responsible for managing the credit underwriting and credit administration functions of a complex Specialty Banking product area or portfolio consistent with the TD Bank Group Risk Appetite Principles, including establishing the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.. The CSB Senior Portfolio Specialist monitors loan covenants, loan delinquency, and completes annual review and renewal of existing credit relationships.. Operates within the TD Bank Group Risk Appetite Principles and the applicable regulatory and compliance guidelines and procedures, including, but not limited to, Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security. Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines

portfolio specialist

Work Location: Farmington Hills, Michigan Hours 40 Pay Details $141,960.00 - $213,200.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role. 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 Personal & Commercial Banking Job Description The CSB Senior Portfolio Specialist is responsible for managing the credit underwriting and credit administration functions of a complex Specialty Banking product area or portfolio consistent with the TD Bank Group Risk Appetite Principles, including establishing the credit structure, Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. The CSB Senior Portfolio Specialist monitors loan covenants, loan delinquency, and completes annual review and renewal of existing credit relationships. The CSB Senior Portfolio Specialist works to achieve credit management objectives within the team. The CSB Senior Portfolio Specialist oversees Credit Specialists or Analysts assigned to provide support for specific transactions or processes. Depth & Scope <ul><li>Personally manages a product portfolio which includes the most complex credits and capital credit structures</li><li>Ensures timely and consistent underwriting and closing of new and existing credit relationships within the business unit, consistent with the TD Bank Group Risk Appetite Principles and credit policies/underwriting guidelines</li><li>Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Banks profitability objectives</li><li>Completes annual reviews and renewals of existing credit relationships in a timely manner and in accordance with Credit Policy in order to minimize credit risk</li><li>Reviews compliance with loan covenants within the product specialty portfolio</li><li>Ensures the managed product specialty portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures</li><li>Serves as a leader in ensuring the Business Plan is achieved by providing consistent and complete underwriting of new credit relationships in product specialty</li><li>Working in conjunction with the business line, helps structure creative and competitive solutions to meet customer and prospective needs, consistent with the TD Bank Group Risk Appetite Principles</li><li>Identifies and responds to changes in the macro-economic environment, industry issues and business environment, establishing action plans to address customer issues and priorities</li><li>Operates within the TD Bank Group Risk Appetite Principles and the applicable regulatory and compliance guidelines and procedures, including, but not limited to, Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security</li><li>Provides leadership and guidance in product specialty to the Credit Specialists and Credit Analysts</li><li>Develops value-added credit solutions in product specialty for our customers that are consistent with the TD Bank Group Risk Appetite Principles. Performs in depth credit analysis for which a majority of accounts consist of; Highly diverse portfolios at the highest complexity; Large pieces of a much bigger client portfolio that may include other institutions and input; Risk factors that create large variables to create decisions on portfolios</li><li>Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines</li><li>Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines</li><li>Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions in product specialty</li><li>Be 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 ensures that all staff complete required compliance attestations/training within required timelines</li><li>Interprets and applies TDs risk management strategy (both credit and operational)</li><li>Understands changing market conditions and remain knowledgeable of relevant industry issues and impact on product specialty</li><li>Responsible for managing aspects of the customer relationship in product specialty including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; Oversees Credit Analysts that will provide support in these responsibilities </li></ul>Education & Experience <ul><li>4 year degree or equivalent experience</li><li>10 years' experience in related work experience</li><li>Strong credit underwriting and administration skills</li><li>Ability to identify and mitigate risk</li><li>Solid understanding of value-add credit structuring in a commercial banking environment</li><li>Strong written and verbal communication skills with understanding of business acumen</li><li>Solid interpersonal skills</li><li>Customer focused</li><li>Strong planning and organizational skills</li><li>Ability to problem solve</li><li>Technologically proficient </li></ul>Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% <ul><li>Domestic Travel – Occasional</li><li>International Travel – Never</li><li>Performing sedentary work – Continuous</li><li>Performing multiple tasks – Continuous</li><li>Operating standard office equipment - Continuous</li><li>Responding quickly to sounds – Occasional</li><li>Sitting – Continuous</li><li>Standing – Occasional</li><li>Walking – Occasional</li><li>Moving safely in confined spaces – Occasional</li><li>Lifting/Carrying (under 25 lbs.) – Occasional</li><li>Lifting/Carrying (over 25 lbs.) – Never</li><li>Squatting – Occasional</li><li>Bending – Occasional</li><li>Kneeling – Never</li><li>Crawling – Never</li><li>Climbing – Never</li><li>Reaching overhead – Never</li><li>Reaching forward – Occasional</li><li>Pushing – Never</li><li>Pulling – Never</li><li>Twisting – Never</li><li>Concentrating for long periods of time – Continuous</li><li>Applying common sense to deal with problems involving standardized situations – Continuous</li><li>Reading, writing and comprehending instructions – Continuous</li><li>Adding, subtracting, multiplying and dividing – Continuous </li></ul>The 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you. 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. 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 If you are an applicant with a disability and need accommodations 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. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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