Associate, CIB Credit

TD Bank; City Of London; On-site; GBP 45,000 - 65,000; Full time

Job summary

A leading financial institution based in London is seeking a Credit Analyst to assist with credit submissions, monitor Borrower performance, and conduct market research to support risk assessments. Candidates should have at least 3 years of relevant experience in banking, excellent analytical skills, and proficiency in Excel. The role offers opportunities for professional development and a supportive work environment.

Benefits

Medical coverage

Paid time off

Career development programs

Reward and recognition programs

Qualifications

• At least 3 years relevant experience preferably in corporate or commercial banking.

Responsibilities

• Prepare credit submissions for Borrower accounts.
• Monitor Borrower performance for compliance.
• Conduct market and client research for ongoing risk assessment.
• Coordinate with Corporate Banking for term sheets and presentations.
• Ensure loan documentation reflects credit authorization.
• Review compliance reporting and identify issues.

Skills

Well-organized

Detail-oriented

Strong verbal and written communication

Analytical skills

Proactive

Teamwork

Excel proficiency

Education

CFA designation

MBA

Job description

Work Location

London United Kingdom

Hours

35

Line of Business

TD Securities

Pay Details

Were committed to providing fair and equitable compensation to all our colleagues. As a candidate we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions including pay details for this role.

Job Description

• Assists in the preparation of credit submissions as required for assigned Borrower accounts including interim client driven requests annual reviews and new underwriting requests.
• Assists in overseeing and monitoring the performance of Borrowers to ensure compliance with all terms and conditions of the credit authorization and to ensure that the risk ratings for the assigned Borrowers are accurate.
• Conducts market industry and client research in support of the ongoing risk assessment process including ongoing monitoring of client / industry news and developments.
• Coordinate with Corporate Banking in the preparation of term sheets client presentations and Loan Capital Committee analysis and documentation.
• Work with Vice President / Director and other product groups including Investment Banking Cash Management Foreign Exchange DerivativesGlobal Metals and Global Trade Finance to ensure their credit needs are being met.
• Prepare credit reviews in accordance with minimum policy requirements regarding Annual Reporting Dates and Interim Reporting Dates.
• Ensure that all credit reviews include sensitivity analysis appropriate for the risk at hand.
• Ensure that credit reviews include statement breakdowns using the MFA spreadsheet tool and that they include an MRA analysis to support the risk rating assessment where applicable.
• Work with Vice President / Director to ensure that loan and security documentation reflects the details of the credit authorization.
• Review periodic compliance reporting loan / product documentation (Credit Agreements ISDAs) identify and communicate credit risk issues legal concepts and solutions effectively.
• Work closely with assigned Vice President / Director in meeting team objectives.

Job Requirements

• Applicants should be well-organized detail oriented and able to work under pressure and tight deadlines establish priorities and work independently with minimal supervision.
• Superior financial financial modelling and analytical skills.
• Strong verbal and written communication and problem-solving skills.
• Proactive and highly motivated. Able to work independently and in a team environment.
• Excellent knowledge of MS Excel.
• At least 3 years relevant experience preferably in a corporate banking or commercial banking environment.
• Open to both experienced analysts and associates.
• CFA designation and / or MBA are an asset.

Who We Are

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

Our Total Rewards Package

Our Total Rewards package reflects the investment we make in our colleagues to help them and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits including medical coverage paid time off career development and reward and recognition programs.

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 thrive 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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and we're committed to helping you identify opportunities that support your goals.

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 reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you require an accommodation for the recruitment / interview process (including alternate formats of materials or accessible meeting rooms or other accommodation) please let us know and we will work with you to meet your needs.

Employment Type

Full-Time

Experience

years

Vacancy

1