TD Bank is looking for a Credit Analyst I to join our Loan Review division. You will provide independent and objective risk-based assessments of credit risk and credit management practices. Working collaboratively, you will support the Lending and Credit functions by conducting in-depth analysis of existing and potential borrowers.

What You'll Do

Conduct basic financial analysis of less complex loans, industries, and customers.
Research industry-specific information from external sources, including industry publications, credit agencies, and direct borrower conversations.
May participate in customer meetings and make direct inquiries for specific information, which may require occasional travel.
Perform underwriting analysis of a borrower's character, credit worthiness, and financial condition as part of the loan origination process.
Provide analytical support to the lending function.
May prepare approval memorandums for presentation to lending and credit authorities.
May analyze financial statements, cash flow, collateral, and other data to identify trends, assess performance, and develop credit risk assessments.
May maintain credit files, monitor for updated financials, and prepare updated analysis.
Monitor compliance with regulatory requirements.
May provide written analysis identifying deviations from loan policy and suggest alternative structures to reduce risk.
Achieve operational performance standards in quality and timeliness.

What We're Looking For

A 4 year degree or equivalent experience.
Basic knowledge of credit and financial analysis techniques.
Strong oral and written communication skills.
Strong analytical and research skills.
Developed PC skills, including proficiency in word processing and spreadsheet software.
Ability to meet deadlines and maintain the confidentiality of credit and customer information.
Good interpersonal skills and a team orientation.

Nice to Have

1+ years of related experience.
3rd line risk experience.
Consumer lending experience.

Team & Environment

This role is part of the Loan Review division within the Credit Management line of business. Your work will be reviewed and monitored by lead staff.

Benefits & Compensation

Compensation: $25.75 - $38.50 USD
Base salary and variable compensation/incentive awards
Health and well-being benefits
Savings and retirement programs
Paid time off (Vacation PTO, Flex PTO, Holiday PTO)
Banking benefits and discounts
Career development, training, onboarding, and regular development conversations
Access to an online learning platform and mentoring programs
Reward and recognition

Work Mode

This position is an in-office role located in Mount Laurel, New Jersey, United States of America.

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.