Credit Analyst I- Loan Review (US)

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$25.75 - $38.50 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.Line of Business:Credit ManagementJob Description:Department Overview:Loan Review provides independent and objective risk based assessments of the level and direction of credit risk and the quality of credit management practices. Using fact based, data driven and innovative practices blended with the expertise of a team of credit professionals, Loan Review provides comprehensive perspectives on credit quality and existing or emerging risks or weaknesses, and makes value add recommendations to foster positive change. Operating within the credit risk management framework and through established partnerships across the bank, the Division proactively collaborates to drive culture and behaviors which support the risk appetite of the bank. A third line of defense reporting to the Board Risk Committee, Loan Review maintains transparent business partner interactions and acts with quality, clarity, and speed.The Credit Analyst I 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 basic financial analysis of less complex loans/industries/CustomersWork reviewed and monitored by lead staffBasic understanding of loan risk factors.May research 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 InternetMay participate 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 conditionSupports the lending function by providing analytical supportMay prepare insightful and timely approval memorandums for presentation to appropriate lending and credit authoritiesMay analyze 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 riskMay maintain credit files, monitor data such as updated financial statements and prepare updated analysis memosMonitors compliance with regulatory requirementsMay provide written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit riskAchieves operational performance standards in quality and timelinessEducation & Experience: 4 year degree or equivalent experience1+ years related experience preferredBasic knowledge of credit and financial analysis techniquesStrong oral and written communication skillsStrong analytical and research skillsDeveloped PC skills including proficiency and capability in word processing and spreadsheet softwareAbility to meet deadlinesAbility to maintain the confidentiality of credit and Customer informationGood interpersonal skills and team orientationPreferred Qualifications:3rd line risk experienceConsumer Lending experience Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel - OccasionalInternational Travel - NeverPerforming sedentary work - ContinuousPerforming multiple tasks - ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds - OccasionalSitting - ContinuousStanding - OccasionalWalking - OccasionalMoving safely in confined spaces - OccasionalLifting/Carrying (under 25 lbs.) - OccasionalLifting/Carrying (over 25 lbs.) - NeverSquatting - OccasionalBending - OccasionalKneeling - NeverCrawling - NeverClimbing - NeverReaching overhead - NeverReaching forward - OccasionalPushing - NeverPulling - NeverTwisting - NeverConcentrating for long periods of time - ContinuousApplying common sense to deal with problems involving standardized situations - ContinuousReading, writing and comprehending instructions - Co