Credit Analyst III - Middle Market Sponsor

TD Bank•New York, NY

1d•$40 - $60

About The Position

TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The team is responsible for underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite, working closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships. The above details are specific to the role which is outlined in the general description below. The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. The Credit Analyst III, Middle Market works cooperatively to support the Lending and Credit functions of the Bank.

Requirements

4 year degree or equivalent experience
3+ years related experience required
Demonstrates knowledge of credit and financial analysis techniques
Strong understanding of loan risk factors
Demonstrates 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
Well-developed research and analytical skills
Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions
Develops PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
Demonstrats ability to maintain the confidentiality of credit and Customer information
Excellent interpersonal skills and a team orientation
Ability to coach, train and lead junior staff in credit and financial analysis techniques

Responsibilities

Responsible for complex Middle Market loans/industries/Customers
Works independently
Strong understanding of loan risk factors
May 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
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
Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
Maintains credit files, monitors data such as updated financial statements and prepares 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
Understands and supports the Bank's Customer Service Strategy
Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
Models quality service delivery at every interaction
Leads and contributes to the ongoing improvement of the partner/Customer experience
Participates in civic activities to promote growth and development of the community and a positive image for TD
Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives
Participates in establishing and executing plans and goals for the Business to drive toward results
Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies
Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD’s scale and operating model
Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization
Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite
Successfully completes all required job specific, compliance-related training; understands, utilizes and follows Compliance/Risk and control programs; consult with all risk functions in the development and documentation of policies, procedures and controls, for all department processes
Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans
Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda, and create an extraordinary employee experience
Participates fully as a member of the team and contribute to a positive work environment
May provide leadership, training, and guidance to other team members
Ensures ongoing communication with the team on the status/progress of projects and issues/points of interest
Actively shares information and knowledge, and proactively learn from the expertise of others