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Credit Analyst Iii (Us)

Company

TD Bank

Address , Cherry Hill, Nj
Employment type FULL_TIME
Salary $32.00 - $52.75 an hour
Expires 2023-07-17
Posted at 10 months ago
Job Description

TD Description

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Department Overview

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

  • 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.
  • May train/mentor/coach junior analysts.
  • Works independently.
  • Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition.
  • Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times).
  • Responsible for complex loans/industries/Customers.
  • Supports the lending function by providing analytical support.
  • Strong understanding of loan risk factors.

Job Requirements

Must be eligible for employment under regulatory standards applicable to the position.

Qualifications

  • Excellent interpersonal skills and a team orientation.
  • Demonstrated ability to maintain the confidentiality of credit and Customer information.
  • Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
  • Demonstrated knowledge of credit and financial analysis techniques.
  • 3-5 years related experience required.
  • Strong understanding of loan risk factors.
  • Ability to coach, train and lead junior staff in credit and financial analysis techniques.
  • Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships.
  • Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions.
  • Excellent written and oral communication skills.
  • Effective time management skills.
  • Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly.
  • 4 year degree or equivalent experience.
  • Well developed research and analytical skills.

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Job Family

Commercial Credit Management

Job Category - Primary

Commercial Banking

Job Category(s)

Commercial Banking

Hours

40

Business Line

TD Bank AMCB

Time Type

Full Time

Employment Type

Regular

Pay Range

$32.00 - $52.75 hourly

Country

United States

State

New Jersey, Pennsylvania

City

Cherry Hill, Philadelphia

Work Location

1701 Route 70 East, 2005 Market Street

State (Primary)

New Jersey

City (Primary)

Cherry Hill

State #2

Pennsylvania

City #2

Philadelphia

Job Expires

20-May-2023