Credit Analyst I - CRE & C&I

About the role

The Credit Analyst I position within the Credit Management line of business is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This role collaborates with the Lending and Credit functions of the Bank.

Responsibilities

• Conducts in-depth industry and financial analysis of existing and potential borrowers.
• Works cooperatively to support the Lending and Credit functions of the Bank.
• Performs underwriting analysis of Borrower's character, credit worthiness, and financial condition.
• Provides analytical support to the lending function.
• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
• 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.
• Maintains credit files, monitors data such as updated financial statements, and prepares updated analysis memos.
• Maintains compliance with regulatory requirements.
• Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures to reduce credit risk.

Requirements

• 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.
• Able to meet deadlines.
• Able to maintain the confidentiality of credit and customer information.
• Good interpersonal skills and team orientation.

Qualifications

• 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

Skills

None specified in the job posting.

Benefits

TD offers a comprehensive benefits package including health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition.

Pay

$25.75 - $41.50 USD

Schedule

Not specified in the job posting.