Credit Analyst III - Middle Market Sponsor

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Pour obtenir de plus amples renseignements, consultez notre **.****Work Location:**New York, New York, États-Unis d'Amérique**Hours:**40**Pay Details:**$40.19 - $60.28 USDTD 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.**Line of Business:**Gestion du crédit**Job Description:****Department Overview:**TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The team is responsible for underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite, working closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships.The above details are specific to the role which is outlined in the general description below.The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. The Credit Analyst III, Middle Market works cooperatively to support the Lending and Credit functions of the Bank.**Depth & Scope:*** Responsible for complex Middle Market loans/industries/Customers* Works independently* Strong understanding of loan risk factors* May train/mentor/coach junior analysts* Researches 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, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk* Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary* Maintains credit files, monitors data such as updated financial statements and prepares 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 in order to reduce credit risk* Achieves operational performance standards in quality and timeliness**Education & Experience:*** 4 year degree or equivalent experience* 3+ years related experience required* Demonstrates knowledge of credit and financial analysis techniques* Strong understanding of loan risk factors* Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships* Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly* Effective time management skills* Excellent written and oral communication skills* Well-developed research and analytical skills* Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions* Develops PC skills including demonstrated proficiency and capability in word processing and spreadsheet software* Demonstrats ability to maintain the confidentiality of credit and Customer information* Excellent interpersonal skills and a team orientation* Ability to coach, train and lead junior staff in credit and financial analysis techniques**Customer Accountabilities:*** Understands and supports the Bank's Customer Service Strategy* Considers the impact of decisions on the well-being of TD, its Customers and stakeholders* Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity* Models quality service delivery at every interaction* Leads and contributes to the ongoing improvement of the partner/Customer experience**Shareholder Accountabilities:*** Participates in civic activities to promote growth and development of the community and a positive image for TD* Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives* Participates in establishing and executing plans and goals for the Business to drive toward results* Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies* Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD’s scale and operating model* Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization* Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite* Successfully completes all required job specific, compliance-related training; understands, utilizes and follows Compliance/Risk and control programs; consult with all risk functions in the development and documentation of policies, procedures and controls, for all department processes* Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans**Employee/Team Accountabilities:*** Be engaged in advancing and sustaining a unique, inclusive #J-18808-Ljbffr TD Bank