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Private Banking Credit Analyst III

Company: TD Bank, N.A.
Location: Fort Lauderdale
Posted on: September 22, 2022

Job Description:

Company OverviewAbout 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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth -, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com .Job DescriptionThe 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.RequirementsResponsible for complex loans/industries/CustomersWorks independentlyStrong understanding of loan risk factorsMay train/mentor/coach junior analystsResearches 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 InternetParticipates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)Integral part of loan origination process; Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial conditionSupports the lending function by providing analytical supportPrepares insightful and timely approval memorandums for presentation to appropriate lending and credit authoritiesThoroughly 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 riskPrepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessaryMaintains credit files, monitors data such as updated financial statements and prepares updated analysis memosMonitors compliance with regulatory requirementsProvides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit riskAchieves operational performance standards in quality and timeliness Must be eligible for employment under regulatory standards applicable to the position. Qualifications4 year degree or equivalent experience3+ years related experience requiredDemonstrates knowledge of credit and financial analysis techniquesStrong understanding of loan risk factorsDemonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationshipsProven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordinglyEffective time management skillsExcellent written and oral communication skillsWell developed research and analytical skillsExhibits self-confidence at all levels of conversation with the ability to defend analytical decisionsDeveloped PC skills including demonstrated proficiency and capability in word processing and spreadsheet softwareDemonstrated ability to maintain the confidentiality of credit and Customer informationExcellent interpersonal skills and a team orientationAbility to coach, train and lead junior staff in credit and financial analysis techniquesHours40InclusivenessAt 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 USWAPTDO@td.com . 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.

Keywords: TD Bank, N.A., Fort Lauderdale , Private Banking Credit Analyst III, Accounting, Auditing , Fort Lauderdale, Florida

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