Credit Analyst II - TD Equipment Finance

Work Location:

United States of America

Hours:

40

Pay Details:

$28.25 - $42.50 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:

Credit Management

Job Description:

The Credit Analyst II 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.

Depth & Scope:

• Responsible for financial analysis of moderately complex loans/industries/Customers
• Works more independently but under the guidance and review of lead staff
• Good understanding of loan risk factors
• 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
• Participates 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
• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
• 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
• May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
• May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
• Monitors compliance with regulatory requirements
• 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
• Achieves operational performance standards in quality and timeliness

Education & Experience:

• 4 year degree or equivalent experience
• 2+ years related experience required
• Developed knowledge of credit and financial analysis techniques.
• Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
• Strong oral and written communication skills.
• Strong analytical and research skills.
• Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
• Ability to multi-task and meet deadlines.
• Ability to maintain the confidentiality of credit and Customer information.
• Good interpersonal skills and a team orientation.

Preferred Qualifications:

• Commercial Bank credit experience and/or leasing experience 

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling