Credit Analyst [Td Bank]

Company Overview

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Department Overview

TD Business Banking provides financial products and services to business customers and is comprised of the following businesses: Commercial Banking, Commercial National Accounts, Commercial Mortgage Group, National Real Estate Group, Agriculture Services and Small Business Banking

Operating as a part of the Business Bank, the Small Business Credit Center is comprised of a team of Group Managers, Credit Analysts and Credit Managers focused on delivering timely credit decisions to our partners in the retail network right across the country. We strive to deliver first time right credit decisions, with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale, process expertise, and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.

As a Credit Analyst your role is to adjudicate/underwrite credit applications for Small Business requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credits
• Ability to provide training to others on best practices, processes, etc. as well as guide mentor other team members for the completion of business
• Moderate to High credit limit authorization required for credit adjudication
• Ability to identify and investigate non-standard operational / reporting / process issue
• Contribute to operational improvements to streamline procedures/processes and enhance service
• Perform due diligence in support of all credit applications
• Maintain good relationships with partners including responding to questions and concerns
• Advanced knowledge of products, end-to-end processes and systems
• Moderate to High level of complexity in operational / reporting / process and/or analysis
• Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established guidelines
• Ability to identify and investigate non-standard operational / reporting / process issues
• Strong knowledge of various Adjudication platforms
• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
• Experience in adjudication of complex credit applications involving multiple step transactions / processes / activities that may involve numerous systems and range in complexity from medium to high
• Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis

Requirements

• Proven ability to deliver on Customer Experience goals
• Above average analytical skills, strong aptitude for problem solving, organization and planning
• Experience in an exception lending environment
• The successful applicant should have previous credit experience, strong credit acumen and has held credit limits.
• Strong aptitude for risk

Skills

• Effective Communication
• Negotiation Skills
• Interpersonal Skills
• Relationship Management
• Research
• Analytical Skills
• Computer Skills
• Business Intelligence
• Presentation Skills
• Time management
• Organized, detail oriented and ability to multi-task effectively

Experience & Education

• Undergraduate degree or technical certificate and/or
• 5+ years relevant experience

Hours37.5Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.