Credit Analyst Jobs

About The Position

Requirements

• 4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered
• Minimum 7 years' experience in related field
• Strong credit underwriting and administration skills
• Ability to identify and mitigate risk
• Ability to provide value-add structuring alternatives for complex credits
• Strong written and verbal communication skills with demonstrated understanding of business acumen
• Solid interpersonal skills
• Customer focused
• Strong planning and organizational skills.
• Ability to problem solve in less complex situations
• Technologically proficient

Responsibilities

• Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
• Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines
• Attends site visits and prospect/customer calls as needed or as requested
• With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
• Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Banks profitability objectives
• Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions
• Is knowledgeable of and operates within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines
• Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Interprets and applies TDs risk management strategy (both credit and operational)
• Understands changing market conditions and remain knowledgeable of relevant industry issues
• Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, signing off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities

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.