Credit Analyst Ii

**Work Location**:
King of Prussia, Pennsylvania

**Hours**:
40

**Pay Details**:
$28.25 - $42.50 USD

**Line of Business**:
Credit Management

The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.

**Depth & Scope**:

- Responsible for financial analysis of moderately complex loans/industries/Customers
- Works more independently but under the guidance and review of lead staff
- Good understanding of loan risk factors
- 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
- May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
- May maintain credit files, monitor data such as updated financial statements and prepare 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
- 2+ years related experience required
- Developed knowledge of credit and financial analysis techniques.
- Exhibits the 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.

**Physical Requirements**:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel - Occasional
- International Travel - Never
- Performing sedentary work - Continuous
- Performing multiple tasks - Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds - Occasional
- Sitting - Continuous
- Standing - Occasional
- Walking - Occasional
- Moving safely in confined spaces - Occasional
- Lifting/Carrying (under 25 lbs.) - Occasional
- Lifting/Carrying (over 25 lbs.) - Never
- Squatting - Occasional
- Bending - Occasional
- Kneeling - Never
- Crawling - Never
- Climbing - Never
- Reaching overhead - Never
- Reaching forward - Occasional
- Pushing - Never
- Pulling - Never
- Twisting - Never
- Concentrating for long periods of time - Continuous
- Reading, writing and comprehending instructions - Continuous
- Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

**Who We Are**:
TD is one of the world's 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 95,000 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.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and buil