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TD Bank CSB Sr Portfolio Specialist in Boston, Massachusetts


Job Title:

CSB Sr Portfolio Specialist

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 Find TD Bank on Facebook at and on Twitter at .

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 .

Auto req ID:



United States

Job Requirements:

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

Personally manages a product portfolio which includes the most complex credits and capital credit structures

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

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

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

Reviews compliance with loan covenants within the product specialty portfolio

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

Serves as a leader in ensuring the Business Plan is achieved by providing consistent and complete underwriting of new credit relationships in product specialty

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

Identifies and responds to changes in the macro-economic environment, industry issues and business environment, establishing action plans to address customer issues and priorities

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

Provides leadership and guidance in product specialty to the Credit Specialists and Credit Analysts

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

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

Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions in product specialty

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

Interprets and applies TDs risk management strategy (both credit and operational)

Understands changing market conditions and remain knowledgeable of relevant industry issues and impact on product specialty

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



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.


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 . 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.






4 year degree or equivalent experience

10 years' experience in related work experience

Strong credit underwriting and administration skills

Ability to identify and mitigate risk

Solid understanding of value-add credit structuring in a commercial banking environment

Strong written and verbal communication skills with understanding of business acumen

Solid interpersonal skills

Customer focused

Strong planning and organizational skills

Ability to problem solve

Technologically proficient

Work Location:

200 State Street Corporate

Business Line:


Job Category - Primary:

Commercial Banking

Job Category(s):

Commercial Banking

**Province/State (Primary):


City (Primary):


Job Family:

Corporate & Specialty Banking

Time Type:

Full Time

Employment Type:


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