Michael Cosden

Experience

• 

  DNB First

  Oct 2011 - Dec 2017

  SVP / Chief Credit Officer

  Possessed oversight responsibilities over all aspects of portfolio management, asset quality, commercial loan origination, systems operations, compliance, M&A integration, and industry regulator relationship management for a $1.2 billion publicly traded community bank. Key achievements include serving at the Executive Leadership level in the successful acquisition and merger of two community banks, thereby expanding shareholder value and enhancing customer experience while optimizing employee retention. Show less

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  1st Colonial Community Bank

  Jan 2018 - Apr 2022

  SVP / Senior Credit Officer

  Directly responsible for the overall management of the bank’s credit department, including talent acquisition, commercial credit underwriting, portfolio management, asset quality management, vendor management, internal compliance, and bank regulatory oversight. Key achievements included the implementation of the bank’s loan origination system platform, thereby improving operating efficiencies and loan origination success.

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  TD

  Apr 2022 - now

  As a contributing member of TD Bank’s Centralized Commercial Credit Management Team, I am directly responsible for asset quality management, covenant compliance monitoring, annual financial reviews, and portfolio management oversight. Possess delegated credit adjudication authority and support a team of assigned credit underwriters & administrators. I have a proven track record in building innovative solutions, fostering teamwork, and leveraging business intelligence at all organizational levels to exceed goals. Show less

  • VP / Centralized Commercial Credit Management

    Jan 2023 - now

  • VP / Credit Officer

    Apr 2022 - Jan 2023