Analyst - CIB Credit, TD Securities
About The Position
At TD Securities, the Corporate and Leveraged Finance function is an integral part of the full suite of services we offer under Investment Banking. Our Investment Banking professionals provide corporate and institutional clients with capital markets and banking advice and transaction executions worldwide. TD Securities offers its U.S. based employees the advantage of working in a highly focused operation, while being part of a major global investment dealer. Confidence in our U.S. operations systems stems from the recognition of our in-depth industry knowledge and from our outstanding credit, structuring, research and distribution capabilities. At TD Securities, you will learn the financing business and gain a competitive advantage of your own. You will be exposed to a wide variety of clients, industries, financing structures and products. You will also work in a team environment, honing your corporate and leveraged finance banking skills necessary to be successful in the industry. Analysts in our Corporate and Leveraged Finance groups are involved with the structuring, execution and monitoring of debt transactions from inception through closing. Working with clients in a variety of industries, you will gain exposure to different business models and industry dynamics. In this capacity you will:
Requirements
- Strong financial/analytical skills and excellent verbal and written communication abilities
- Successful candidates must have the capacity to become adept at financial modeling and be able to work effectively in a team environment
- Works more independently but under the guidance and review of lead staff
- Good understanding of loan risk factors
- 4 year degree or equivalent experience
- 2+ years related experience
- 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
Responsibilities
- Spread and monitor clients’ historical financial performance
- Create detailed models to project clients’ future cash flows and debt ratios
- Gather and analyze trends in qualitative and quantitative data
- Analyze deal structures
- Prepare and present diligence and structuring recommendations
- Compile data through due diligence and prepare comprehensive reviews that analyze transactions and client risks
- Assist with deal negotiations and documentation
- Prepare client presentations
- Responsible for financial analysis of moderately complex loans/industries/Customers
- 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
Benefits
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
