Credit Analyst III
Company Name:
TD Bank
TD is a great organization powered by great people who want to make a difference every day. Our over 85,000 employees world-wide are a big part of what makes TD stand out from any other organization. Every day, we deliver legendary customer and client experiences to our approximately 19 million customers. We're an award-winning organization that reinvests constantly to ensure future growth.
We're recognized as an extraordinary place to work that embraces diversity, where everyone is respected and valued. TD is the sixth largest bank in North America by branches, with many exciting and challenging career opportunities in our four key businesses:
Canadian Personal and Commercial Banking - including TD Canada Trust and TD Insurance
Wealth Management - including TD Waterhouse and an investment in TD Ameritrade
U.S. Personal and Commercial Banking - including TD Bank, America's Most Convenient Bank
Wholesale Banking - including TD Securities
Job Description Responsible for complex loans/industries/Customers
Works independently
Strong understanding of loan risk factors
IMay train/mentor/coach junior analysts
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
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
Qualifications 4 year degree or equivalent experience
3-5 years related experience required
Demonstrated knowledge of credit and financial analysis techniques
Strong understanding of loan risk factors
Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
Effective time management skills
Excellent written and oral communication skills
Skills Category Analytical skills -
Computer skills -
Customer Service -
Effective Communication -
Business writing -
Intellectual intelligence -
Quantitative Analysis -
Time Management -
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 III
Burlington-Vermont
57070br Estimated Salary: $20 to $28 per hour based on qualifications.
TD Bank
TD is a great organization powered by great people who want to make a difference every day. Our over 85,000 employees world-wide are a big part of what makes TD stand out from any other organization. Every day, we deliver legendary customer and client experiences to our approximately 19 million customers. We're an award-winning organization that reinvests constantly to ensure future growth.
We're recognized as an extraordinary place to work that embraces diversity, where everyone is respected and valued. TD is the sixth largest bank in North America by branches, with many exciting and challenging career opportunities in our four key businesses:
Canadian Personal and Commercial Banking - including TD Canada Trust and TD Insurance
Wealth Management - including TD Waterhouse and an investment in TD Ameritrade
U.S. Personal and Commercial Banking - including TD Bank, America's Most Convenient Bank
Wholesale Banking - including TD Securities
Job Description Responsible for complex loans/industries/Customers
Works independently
Strong understanding of loan risk factors
IMay train/mentor/coach junior analysts
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
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
Qualifications 4 year degree or equivalent experience
3-5 years related experience required
Demonstrated knowledge of credit and financial analysis techniques
Strong understanding of loan risk factors
Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
Effective time management skills
Excellent written and oral communication skills
Skills Category Analytical skills -
Computer skills -
Customer Service -
Effective Communication -
Business writing -
Intellectual intelligence -
Quantitative Analysis -
Time Management -
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 III
Burlington-Vermont
57070br Estimated Salary: $20 to $28 per hour based on qualifications.
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