Strategic Workout Credit Analyst II

TD Bank Group; Braintree (MA); On-site; USD 38,572 - 61,992; Full time

Job summary

TD Bank Group in Braintree, MA, is seeking a Workout Credit Analyst II (US) to perform financial analysis and underwriting for a diverse loan portfolio within the Workout Department. You will work under guidance to assess credit risk and prepare credit memos for senior lending authorities.

The role emphasizes independent analysis, collaboration with colleagues, and adherence to regulatory requirements, with opportunities for growth within Credit Management.

Qualifications

• 4 year degree or equivalent experience.
• 2+ years related experience required.
• Developed knowledge of credit and financial analysis techniques.
• Ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
• Strong oral and written communication skills.
• Strong analytical and research skills.
• Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
• Ability to multi-task and meet deadlines.
• Ability to maintain the confidentiality of credit and Customer information.
• Good interpersonal skills and a team orientation.

Responsibilities

• Responsible for financial analysis of moderately complex loans/industries/Customers.
• Works more independently but under the guidance and review of lead staff.
• Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower’s character, credit worthiness and financial condition.
• Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
• Monitors compliance with regulatory requirements.
• Provides written analysis that identifies any deviations from the Company Commercial Loan Policy.

Skills

Credit analysis

Financial analysis

Loan underwriting

Industry research

Communication skills

Multitasking

Education

Bachelor's degree in finance, economics, or related field

Tools

Excel

Word

Job description

TD Bank Group in Braintree, MA, is seeking a Workout Credit Analyst II (US) to perform financial analysis and underwriting for a diverse loan portfolio within the Workout Department. You will work under guidance to assess credit risk and prepare credit memos for senior lending authorities.

The role emphasizes independent analysis, collaboration with colleagues, and adherence to regulatory requirements, with opportunities for growth within Credit Management.