Credit Analyst III - Middle Market Sponsor

About the role

The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. This position works cooperatively to support the Lending and Credit functions of the Bank.

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
• Participates in Customer meetings and make direct inquiry for specific Customer information
• Integral part of loan origination process
• 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
• Maintains 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

Requirements

• 4 year degree or equivalent experience
• 3+ years related experience required
• Demonstrates knowledge of credit and financial analysis techniques
• Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
• Prominent ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
• 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
• Demonstrates 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

Preferred Qualifications

• 1+ years in leveraged finance or sponsored backed credit underwriting is preferred

Benefits

TD is deeply committed to being a leader in client experience, fostering deeper relationships, ensuring disciplined execution, and delivering a simpler, faster banking experience. TD offers a total rewards package that includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition.

Pay

$40.19 - $60.28 USD

Schedule

Hours 40