Job Description

Job Description

The Credit Analyst I is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.

Requirements

Responsible for basic financial analysis of less complex loans/industries/Customers
Work reviewed and monitored by lead staff
Basic understanding of loan risk factors.
May research 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
May participate in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
Supports the lending function by providing analytical support
May prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
May analyze 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
May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
Monitors compliance with regulatory requirements
May provide written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
Achieves operational performance standards in quality and timeliness

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

Qualifications

4 year degree or equivalent experience
1+ years related experience preferred
Basic knowledge of credit and financial analysis techniques
Strong oral and written communication skills
Strong analytical and research skills
Developed PC skills including proficiency and capability in word processing and spreadsheet software
Ability to meet deadlines
Ability to maintain the confidentiality of credit and Customer information
Good interpersonal skills and team orientation

Hours

40

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.