Senior Credit Analyst, Middle Market

2 weeks ago

New York, New York, United States TD Bank Group Full time
Work Location:
United States of America

Hours:
40

Compensation Details:
$83,600 - $125,400 USD

TD is dedicated to ensuring fair and equitable compensation for all employees. The salary range for this position considers various factors that influence compensation decisions. The actual base pay offered may differ based on the candidate's skills, experience, job-related knowledge, licensure, certifications, geographic location, and specific business needs. As TD prioritizes career development, it is uncommon for individuals to be hired at or near the top of the salary range for their role.

As a candidate, you are encouraged to engage in discussions regarding compensation with your recruiter, who can provide specific details for this position.

Department:
Credit Management
Position Overview:

TD's Middle Market Sponsor Finance Group is tasked with managing credit relationships with borrowers linked to private equity firms and family offices. The team oversees the underwriting and documentation of new transactions while managing existing portfolio accounts in accordance with TD's credit risk policy and risk appetite. This includes close collaboration with Relationship Management and Credit Risk Management to ensure alignment with TD Bank Group's Risk Appetite Principles, including establishing Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for both new and existing credit relationships.

The Credit Analyst III, Middle Market plays a crucial role in performing comprehensive industry and financial analysis of current and prospective Middle Market borrowers. This position collaborates effectively to support the Bank's Lending and Credit functions.

Responsibilities:
  • Manage complex Middle Market loans, industries, and customers.
  • Work independently with minimal supervision.
  • Possess a strong understanding of loan risk factors.
  • May provide training and mentorship to junior analysts.
  • Conduct research on industry-specific information from various sources, including borrower conversations, industry publications, and credit agencies.
  • Participate in customer meetings and inquire about specific customer information based on prior research and knowledge.
  • Play an integral role in the loan origination process by performing underwriting analysis of borrowers' character, creditworthiness, and financial condition.
  • Support the lending function by providing analytical insights.
  • Prepare timely and insightful approval memorandums for presentation to relevant lending and credit authorities.
  • Thoroughly analyze financial statements, management profiles, business cycles, cash flow capabilities, and collateral to identify trends and assess credit risk.
  • Draft comprehensive written analyses with appropriate recommendations for approval, denial, or alternative structures when necessary.
  • Maintain credit files and monitor updated financial statements, preparing updated analysis memos as needed.
  • Ensure compliance with regulatory requirements.
  • Provide written analyses that identify deviations from the Company Commercial Loan Policy and familiarize with alternative structures to mitigate credit risk.
  • Achieve operational performance standards in quality and timeliness.
Qualifications:
  • Bachelor's degree or equivalent experience.
  • Minimum of 3 years of relevant experience required.
  • Demonstrated knowledge of credit and financial analysis techniques.
  • Strong understanding of loan risk factors.
  • Ability to independently gather, consolidate, analyze, and summarize data to provide well-considered recommendations for all levels of commercial credit relationships.
  • Proven ability to identify and quantify subtle business risks and focus discussions on key risk drivers.
  • Effective time management skills.
  • Excellent written and verbal communication skills.
  • Well-developed research and analytical skills.
  • Exhibit self-confidence in discussions and defend analytical decisions.
  • Develop proficiency in word processing and spreadsheet software.
  • Maintain confidentiality of credit and customer information.
  • Possess excellent interpersonal skills and a team-oriented mindset.
  • Ability to coach and lead junior staff in credit and financial analysis techniques.
Customer Accountabilities:
  • Understand and support the Bank's Customer Service Strategy.
  • Consider the impact of decisions on the well-being of TD, its customers, and stakeholders.
  • Provide exceptional customer service in all interactions.
  • Model quality service delivery at every opportunity.
  • Contribute to the ongoing improvement of the partner/customer experience.
Shareholder Accountabilities:
  • Engage in civic activities to promote community growth and a positive image for TD.
  • Support the development and implementation of operational strategies to achieve excellence in service delivery.
  • Participate in establishing and executing plans to drive results.
  • Ensure strategic initiatives are effectively carried out with comprehensive change management strategies.
  • Deliver business services that optimize the use of processes, technology, and personnel.
  • Collaborate to ensure TD is a customer-focused, growth-oriented organization.
  • Ensure compliance with TD's Risk Appetite in all processes and policies.
  • Complete all required job-specific training and understand compliance/risk programs.
  • Maintain compliance with internal and external audit and regulatory requirements.
Employee/Team Accountabilities:
  • Engage in fostering an inclusive culture that reflects TD's diversity agenda.
  • Actively participate as a team member and contribute to a positive work environment.
  • Provide leadership and guidance to team members as needed.
  • Maintain ongoing communication with the team regarding project status and relevant issues.
  • Share information and knowledge, and learn from the expertise of others.
Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
  • Domestic Travel - Occasional
  • International Travel - Never
  • 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 - Continuous
  • Applying common sense to standardized problems - Continuous
  • Reading, writing, and comprehending instructions - Continuous
  • Basic arithmetic operations - Continuous
The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this role. They are not exhaustive lists of all responsibilities, duties, and skills required. The listed responsibilities and duties are considered essential functions for ADA purposes.

About TD:
TD is a leading global financial institution and the fifth largest bank in North America by branches. Every day, we deliver exceptional customer experiences to millions of households and businesses across Canada, the United States, and beyond. Our dedicated team of over 95,000 colleagues brings their skills and creativity to the Bank and the communities we serve. 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 committed to being a leader in customer experience, which is why we believe that all colleagues, regardless of their role, are customer-facing. As we grow our business and execute our strategy, we are innovating to enhance customer experiences and build capabilities for the future of banking. Whether you are an experienced professional or just starting your career in financial services, we are here to help you realize your potential. Through regular development conversations, mentorship, and training programs, we support you in achieving your goals.

Our Total Rewards Package

Our Total Rewards package reflects our investment in our colleagues to help them achieve their financial, physical, and mental well-being goals. It includes base salary, variable compensation, health and well-being benefits, retirement programs, paid time off, banking benefits, and career development opportunities.

Additional Information:
We are pleased that you are considering a career with TD. Through ongoing development conversations and a competitive benefits plan, we are committed to providing the support our colleagues need to thrive both professionally and personally.

Colleague Development
If you are interested in a specific career path or skill development, we want to help you succeed. You will have regular career and performance discussions with your manager, as well as access to an online learning platform and various mentoring programs to unlock future opportunities.

Training & Onboarding
We will provide comprehensive training and onboarding sessions to ensure you have everything you need to succeed in your new role.

Interview Process
We will reach out to candidates of interest to schedule interviews and communicate outcomes to all applicants.

Accommodation
If you require accommodations during the application process, please reach out to our Workplace Accommodations Program.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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