Credit Analyst II
Company Name:
TD Bank
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 .
Job Description o Responsible for financial analysis of complex Middle Market loans/industries/Customers.
o Works more independently but under the guidance and review of lead staff.
o Good understanding of loan risk factors.
o Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
o Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times).
o Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition.
o Supports the lending function by providing analytical support.
o Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
o Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk.
o May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary.
o May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos.
o Monitors compliance with regulatory requirements.
o Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk.
o Achieves operational performance standards in quality and timeliness.
Job Requirements o 4 year degree or equivalent experience
o 2-4 years related experience required
Qualifications o Developed knowledge of credit and financial analysis techniques.
o Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
o Strong oral and written communication skills.
o Strong analytical and research skills.
o Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
o Ability to multi-task and meet deadlines.
o Ability to maintain the confidentiality of credit and Customer information.
o Good interpersonal skills and a team orientation
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 her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Credit Analyst II
Greenville-South Carolina
70700br Estimated Salary: $20 to $28 per hour based on qualifications.
TD Bank
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 .
Job Description o Responsible for financial analysis of complex Middle Market loans/industries/Customers.
o Works more independently but under the guidance and review of lead staff.
o Good understanding of loan risk factors.
o Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.
o Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times).
o Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition.
o Supports the lending function by providing analytical support.
o Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
o Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk.
o May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary.
o May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos.
o Monitors compliance with regulatory requirements.
o Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk.
o Achieves operational performance standards in quality and timeliness.
Job Requirements o 4 year degree or equivalent experience
o 2-4 years related experience required
Qualifications o Developed knowledge of credit and financial analysis techniques.
o Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
o Strong oral and written communication skills.
o Strong analytical and research skills.
o Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
o Ability to multi-task and meet deadlines.
o Ability to maintain the confidentiality of credit and Customer information.
o Good interpersonal skills and a team orientation
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 her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Credit Analyst II
Greenville-South Carolina
70700br Estimated Salary: $20 to $28 per hour based on qualifications.
|
|
 | |
