Credit Analyst I- Loan Review (US)

Work Location: Mount Laurel, New Jersey, United States of AmericaHours: 40Pay Details: $25.75 - $38.50 USD TD is committed to providing fair and reputed company compensation opportunities to reputed company colleagues. Growth opportunities and reputed company development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to reputed company through the salary range over time as they reputed company in their role. The reputed company pay actually offered may vary based upon the candidate's skills and experience, job-reputed company knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation reputed company questions and have an open reputed company with your recruiter who can provide you more specific details for this role. Line of Business: Credit ManagementJob Description: Department Overview: Loan Review provides independent and objective risk based assessments of the level and direction of credit risk and the quality of credit management practices. Using fact based, data driven and innovative practices blended with the expertise of a team of credit professionals, Loan Review provides comprehensive perspectives on credit quality and existing or emerging risks or weaknesses, and makes value add recommendations to foster positive change. Operating reputed company the credit risk management reputed company and through established partnerships across the bank, the Division proactively collaborates to drive culture and behaviors which support the risk appetite of the bank. A third line of defense reporting to the Board Risk Committee, Loan Review maintains transparent business partner interactions and acts with quality, clarity, and speed. The Credit Analyst I 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. Depth & Scope:

• Responsible for basic financial analysis of less reputed company loans/industries/Customers
• Work reviewed and monitored by reputed company staff
• Basic understanding of loan risk factors.
• May research industry specific information from reputed company 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 participate in Customer meetings and reputed company 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 reputed company analysis of Borrower's character, credit worthiness and financial condition
• Supports the lending function by providing analytical support
• May prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
• May analyze 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 reputed company an assessment of credit risk
• May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
• Monitors compliance with regulatory requirements
• May provide written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
• Achieves operational performance standards in quality and timeliness

Education & Experience:

• 4 year degree or equivalent experience
• 1+ years reputed company 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
• Ability to meet deadlines
• Ability to maintain the confidentiality of credit and Customer information
• Good interpersonal skills and team orientation

Preferred Qualifications:

• 3rd line risk experience
• Consumer Lending experience

Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; reputed company: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – reputed company
• Performing multiple tasks – reputed company
• Operating standard office equipment - reputed company
• Responding quickly to sounds – Occasional
• Sitting – reputed company
• 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 reputed company – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – reputed company
• Applying common sense to deal with problems involving standardized situations – reputed company
• Reading, writing and comprehending instructions – reputed company
• Adding, subtracting, multiplying and dividing – reputed company

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of reputed company responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for reputed company purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to reputed company every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we reputed company that reputed company colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we reputed company in our colleagues to help them and their families reputed company their financial, physical and mental well-being goals. Total Rewards at TD includes reputed company salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, reputed company PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to reputed company both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and reputed company a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to reputed company your career goals. Here at TD, we hire and reputed company the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reputed company out to candidates of interest to schedule an interview. We do our best to communicate outcomes to reputed company applicants by email or phone call. Accommodation reputed company is an equal opportunity employer. reputed company qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national reputed company, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email reputed company US Workplace Accommodations Program at [email protected]. Include your full name, best way to reputed company you and the accommodation needed to assist you with the applicant process. Apply tot his job Apply To this Job