Equipment Finance Credit Analyst II — Underwriting & Risk

TD Bank; Mount Laurel Township (NJ); On-site; USD 40,000 - 61,000; Full time

Job summary

TD Bank is seeking a Credit Analyst II in Mount Laurel, NJ to conduct industry and financial assessments for borrowers and support lending decisions. The role involves underwriting, documentation, and ongoing risk monitoring within Credit Management.

You will perform analyses, prepare memorandums, and collaborate with colleagues to ensure regulatory compliance and timely decisions. A 4-year degree and relevant experience are required.

Qualifications

• 4-year degree or equivalent experience required.
• 2+ years of related experience.
• Demonstrated knowledge of credit and financial analysis techniques.
• Ability to gather, consolidate, analyze, and summarize data to produce well-considered recommendations with increasing independence.
• Strong oral and written communication skills.
• Strong analytical and research skills.
• Proficient with word processing and spreadsheet software.
• Ability to multi-task and meet deadlines.
• Maintain confidentiality of credit and customer information.
• Good interpersonal skills and a team-oriented approach.

Responsibilities

• Perform financial analysis for moderately complex loans, industries, and customers.
• Operate with increased independence under the guidance and review of lead staff.
• Apply knowledge of loan risk factors to support credit decisions.
• Research industry-specific information using external sources and derived inputs.
• Participate in customer meetings and collect information as needed.
• Support the loan origination process by underwriting borrower character and financial condition.
• Provide analytical support to the lending function.
• Prepare clear, timely approval memorandums for lending authorities.
• Analyze financial statements and related factors to identify trends and credit strength.
• Prepare written credit analyses and recommendations including approvals or alternatives.
• Maintain credit files and monitor updated financial information.
• Monitor adherence to regulatory requirements.
• Identify policy deviations and explore alternative structures to reduce risk.
• Meet operational performance standards for quality and timeliness.

Skills

Credit analysis

Financial analysis

Oral and written communication

Analytical thinking

Confidentiality

Teamwork

Multitasking

Education

4-year degree or equivalent experience

Tools

Excel

Word processing

Job description

TD Bank is seeking a Credit Analyst II in Mount Laurel, NJ to conduct industry and financial assessments for borrowers and support lending decisions. The role involves underwriting, documentation, and ongoing risk monitoring within Credit Management.

You will perform analyses, prepare memorandums, and collaborate with colleagues to ensure regulatory compliance and timely decisions. A 4-year degree and relevant experience are required.