Analyst - Sales & Trading (US)

Company Overview

About 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 over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us . Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US and www.twitter.com/TDNews_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 .

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Job Description

• Responsible for financial analysis of moderately complex loans/industries/Customers• Works more independently but under the guidance and review of lead staff• Good understanding of loan risk factors• 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• Participates 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• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities• Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, aging, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk• May prepare complete written analysis with appropriate recommendations for approval, denial, and alternative structure when necessary• May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos• Monitors compliance with regulatory requirements• Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures to reduce credit risk• Achieves operational performance standards in quality and timeliness

Requirements

Must be eligible for employment under regulatory standards applicable to the position.

Hours

40

Inclusiveness

At 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 [email protected] . 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.