Retail Credit Analyst (US)
About The Position
Depth & Scope: Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 Cs of credit and then educate and communicate decisions to appropriate dealers and business clients Performs detailed verification and documentation for all applications that meet the approval criteria Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management Executes client level strategies as outlined by management Assists clients and the funding department in any contract problems and funding issues that may occur Engages in appropriate credit training, personnel development and coaching exercises as designated by management
Requirements
- Bachelors degree or 2 yrs automotive finance experience required
- Proven ability to review and interpret credit reports preferred
- Thorough understanding of Federal and State legislation affecting the finance and insurance business preferred
- Complete knowledge of Credit Policy and applicable processes and procedures relating to risk and consumer credit operations preferred
Responsibilities
- Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 Cs of credit and then educate and communicate decisions to appropriate dealers and business clients
- Performs detailed verification and documentation for all applications that meet the approval criteria
- Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix
- Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management
- Executes client level strategies as outlined by management
- Assists clients and the funding department in any contract problems and funding issues that may occur
- Engages in appropriate credit training, personnel development and coaching exercises as designated by management
Benefits
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Industry
Credit Intermediation and Related Activities
Number of Employees
5,001-10,000 employees
