Credit Analyst I - Regional Commercial Banking

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 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 complex loans/industries/Customers Work reviewed and monitored by lead staff Basic understanding of loan risk factors. May research 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 participate 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 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 develop 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 related 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 Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous 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 forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long