Merch Srvs Sr Credit Analyst

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.  As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

The Merchant Services Senior Credit Analyst analyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk including reviewing in-depth historical operating performance. This job develops assessment/summary by identifying key strengths and risks, reviewing historical operating performance, and recommending risk rating. It performs quality underwriting for merchant services relationship requests and may begin to analyze requests in a specific industry that are complex in structure, or of a large market nature. The Senior Credit Analyst approves merchant applications within established merchant credit policy and individual credit authority. Depth & Scope: Accountable for larger, more complex credits and have higher approval limits Analyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk including reviewing in-depth historical operating performance Develops assessment/summary by identifying key strengths and risks, recommending a decision and a risk rating Independently discusses and recommends alternative structures, overall assessments, and any outstanding requirements with merchant Sales Reps Performs quality underwriting for merchant application requests May begin to analyze requests in a specific industry, that are complex in structure, or of a large market nature Approves and/or recommends accounts within established merchant credit policy and individual credit approval limit authority Independently prepares analyses for designated merchant accounts that includes identifying any deviations from the merchant policy, recommending processing or reserve changes in order to preserve profitability, reduce credit risk and merchant exposure Performs a financial analysis on customer-provided or bank-generated projections including the performance of "what-if" scenarios that test the reasonableness of the projections provided to the Company Collects and maintains industry data from outside sources, including conversations with the borrower, industry publications, payment card network information, etc to assist with approach to risk assessment Participates in and/or assists in leading internal training activities to sales and customer service employees. Participates in special projects and performs additional duties as required e.g. AML reporting Represents TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates in professional organizations, as opportunities become available Education & Experience: 4 Year Degree or equivalent 3-5 Years of credit risk experience Credit and Financial statement analysis experience Highly motivated and committed to providing superior service Strong communication skills, interpersonal skills and the ability to work independently and as part of a team are essential Requires superior analytical skills and the ability to exercise sound judgment to make decisions Proven accuracy, well organized and able to multi-task to meet SLAs Expert knowledge of