Credit Analyst I- Loan Review (US)

Work Location:

Hours:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

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:

Job Description:

Department Overview:

Loan Review provides independent and objective risk based assessments of the level and direction of credit risk and the quality of credit management practices. Using fact based data driven and innovative practices blended with the expertise of a team of credit professionals Loan Review provides comprehensive perspectives on credit quality and existing or emerging risks or weaknesses and makes value add recommendations to foster positive change. Operating within the credit risk management framework and through established partnerships across the bank the Division proactively collaborates to drive culture and behaviors which support the risk appetite of the bank. A third line of defense reporting to the Board Risk Committee Loan Review maintains transparent business partner interactions and acts with quality clarity and speed.

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.

Depth & Scope:

• 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 Borrowers 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

Education & Experience:

• 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

Preferred Qualifications:

• 3rd line risk experience
• Consumer Lending 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 Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as health and well-being benefits savings and retirement programs paid time off (including Vacation PTO Flex PTO and Holiday PTO) banking benefits and discounts career development and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.