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Commercial Credit Risk Analyst III

2 months ago

Greenville, South Carolina, United States TD Bank Group Full time
Job Description

Job Summary:

The Commercial Credit Risk Analyst III is responsible for analyzing and underwriting commercial loan applications, ensuring compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements.

Key Responsibilities:

  • Analyzes financial information pertaining to commercial credit exposure, including conducting credit investigations and analyzing financial statements.
  • Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant to gain a better understanding of the company's accounting practices.
  • Performs in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing cash flow analysis, and investigating personal tax returns and credit reporting documentation.
  • Investigates available sources of credit and financial information, researches economic and market conditions relating to the company, industry, and market area, and notes any deviations from the loan policy, procedures, and guidelines.
  • Renders final credit decisions within individual lending authority limits, based on the strengths and risks, collateral analysis, historical financials, business and personal cash flow and balance sheet analysis, ratio and trend analysis, review of credit bureau and business bureau reports, management profiles, business/product cycles, industry information, projected operating performance, application data, and the ability to repay the proposed debt.
  • Considers and discusses alternative structures and overall assessments with market, sales personnel, and sets conditions of lending and involvement with shared services functions as needed to expedite loan closings.
  • Maintains a satisfactory level of portfolio delinquencies and charge-offs, ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation, and Government Reporting requirements.

Requirements:

  • Undergraduate degree preferred.
  • 8+ years of relevant commercial lending experience.
  • Proven analytical and research skills.
  • Prior lending authority strongly preferred.
  • Demonstrated problem-solving skills and the ability to blend technical knowledge and good business judgment.
  • Proven organizational, multi-tasking, analytical, time management, and decision-making skills.
  • Ability to meet deadlines.
  • Strong communication skills, both verbal and written.
  • Strong interpersonal skills and a team orientation.
  • Ability to work with various levels of business partners.
  • Developed PC skills, including proficiency and capability in word processing and spreadsheet software.
  • Computer literacy with a variety of software programs.
  • Small Business Administration/Agency experience preferred.