Credit Analyst III
Location:
New Haven , Connecticut
Posted:
November 23, 2016
Reference:
61533552
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 www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

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 www.td.com . Job Description

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

Job Requirements
  • 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
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 hrcompliance@td.com. Please include your full name, contact information and details about your request within the e-mail.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

**Province/State (Primary) Connecticut City (Primary) New Haven
A little about us:
TD Bank is creating and sustaining a diverse and inclusive workplace that reflects the people, cultures and languages of the communities we serve.

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