Credit Analyst II — Lending Strategy & Risk Analysis

TD; Mount Laurel Township (NJ); On-site; USD 85,081,000 - 127,511,000; Full time

Job summary

TD Bank US in Mount Laurel, NJ is seeking a Credit Analyst II to perform in-depth industry and financial analyses of existing and potential borrowers, supporting Lending and Credit functions. You will evaluate loan risk factors, prepare analysis memos, and participate in customer meetings as needed.

The role requires a 4-year degree or equivalent experience, 2+ years in credit analysis, strong written and verbal communication, and proficiency with word processing and spreadsheet tools.

Qualifications

• 4-year degree or equivalent experience.
• 2+ years related experience in credit analysis.
• Developed knowledge of credit and financial analysis techniques.
• Strong communication skills (oral & written).
• Proficient in word processing and spreadsheets.
• Ability to multi-task and meet deadlines.

Responsibilities

• Perform in-depth financial analysis of existing and potential borrowers.
• Support lending and credit functions with analytical input.
• Prepare timely approval memorandums for lending authorities.
• Analyze financial statements, cash flows, collateral to assess credit risk.
• Participate in customer meetings and gather borrower information.
• Maintain credit files and update memos as needed.
• Monitor compliance with regulatory requirements.
• Ensure adherence to bank policies and risk controls.

Skills

Financial analysis

Communication

Analytical thinking

Research skills

Multi-tasking

Confidentiality

Interpersonal skills

Education

Bachelor's degree or equivalent

Tools

Word processing

Spreadsheet software

Credit analysis software

Job description

TD Bank US in Mount Laurel, NJ is seeking a Credit Analyst II to perform in-depth industry and financial analyses of existing and potential borrowers, supporting Lending and Credit functions. You will evaluate loan risk factors, prepare analysis memos, and participate in customer meetings as needed.

The role requires a 4-year degree or equivalent experience, 2+ years in credit analysis, strong written and verbal communication, and proficiency with word processing and spreadsheet tools.