TD jismoniy shaxslar, bizneslar va institutsional mijozlarga chakana va biznes bank xizmatlari, sug‘urta, boylikni boshqarish hamda qimmatli qog‘ozlar xizmatlari orqali xizmat ko‘rsatuvchi Shimoliy Amerikadagi yirik banklardan biridir. Uning keng ko‘lamli faoliyat modeli bank ishi va moliya sohalarida turli hududlar hamda mutaxassislik yo‘nalishlarini qamrab oluvchi martaba imkoniyatlarini taqdim etadi. TD barqarorlik, xilma-xillik, tenglik, inklyuziya va jamiyatga ta’sir masalalariga ham katta e’tibor qaratib, g‘amxo‘rlik, hurmat va xodimlar rivojiga asoslangan ish joyi madaniyatini shakllantiradi.
Commercial Credit Analyst III – Affordable Housing, TD (Charlotte Onsite)
Underwrite CRA-eligible affordable-housing construction loans for TD Bank in Charlotte. Assess borrowers, financial statements, collateral, cash flow, and credit risk to support commercial lending decisions.
Tavsif
- Perform detailed industry and financial reviews of current and prospective borrowers
- Support the Bank’s Lending and Credit teams
- Independently manage complex loans, industries, and customer relationships
- Gather industry-specific intelligence from borrowers, publications, libraries, banks, credit agencies, and online sources
- Join customer meetings and request targeted information directly from customers
- Evaluate borrower character, creditworthiness, and financial condition through underwriting analysis
- Deliver analytical support to the lending organization
- Prepare accurate, timely approval memorandums for lending and credit authorities
- Review financial statements, management profiles, business and product cycles, cash flow capacity, collateral, and aging schedules
- Write analyses recommending approval, denial, or alternative transaction structures
- Maintain credit files and track receipt of updated financial statements
- Produce revised credit analysis memorandums as needed
- Monitor adherence to regulatory requirements
- Flag departures from Commercial Loan Policy and recommend structures that mitigate credit risk
- Achieve operational quality and timeliness standards
- Train, mentor, and coach junior analysts when assigned
Talablar
- Bachelor’s degree or equivalent professional experience
- At least three years of relevant experience
- Knowledge of credit and financial analysis methods
- Strong understanding of loan risk factors
- Ability to independently collect, consolidate, evaluate, and summarize data for commercial credit recommendations
- Ability to identify and quantify business risks and their primary drivers
- Strong time-management skills
- Excellent written and verbal communication skills
- Well-developed research and analytical capabilities
- Ability to explain and defend analytical decisions in discussions at all organizational levels
- Proficiency with standard PC, word-processing, and spreadsheet applications
- Ability to protect confidential credit and customer information
- Strong interpersonal skills and a collaborative team mindset
- Ability to coach, train, and lead junior employees in credit and financial analysis
- Willingness to travel domestically on occasion
- Ability to perform continuous sedentary work and operate standard office equipment continuously
Imtiyozlar
- Eligibility for variable compensation and incentive awards, including cash and/or equity awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off through Vacation PTO, Flex PTO, and Holiday PTO
- Banking products, benefits, and discounts
- Career development opportunities
- Reward and recognition programs
- Ongoing career, development, and performance discussions
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions