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, State and Municipal Lending – TD
Underwrite complex commercial loans and evaluate borrower risk for TD’s state and municipal lending portfolio. Produce credit analyses, risk assessments, and approval recommendations.
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
- Investigate industry-specific information using external sources
- Join customer meetings and request targeted customer information directly
- Underwrite borrowers by evaluating character, creditworthiness, and financial condition
- Deliver analytical support to the lending organization
- Draft approval memorandums for lending and credit authorities
- Review financial statements, management profiles, business and product cycles, cash flow, collateral, and aging data
- Track trends, measure performance, evaluate financial strength, and develop credit-risk assessments
- Write analyses recommending approval, denial, or alternative deal structures
- Maintain credit files and track updated financial statements and analysis memorandums
- Monitor adherence to regulatory requirements
- Flag Commercial Loan Policy exceptions and recommend structures that reduce credit risk
- Achieve operational standards for work quality and timeliness
- Potentially train, mentor, and coach junior analysts
Talablar
- Bachelor’s degree or equivalent experience
- At least three years of relevant experience
- Working knowledge of credit and financial analysis methods
- Strong understanding of loan risk factors
- Ability to independently collect, consolidate, analyze, and summarize data for commercial credit relationships
- Ability to identify and quantify business risks and their key drivers
- Effective time management
- Excellent written and verbal communication
- Well-developed research and analytical capabilities
- Ability to explain and defend analytical decisions in discussions at all levels
- Proficiency with word processing and spreadsheet applications
- Ability to protect confidential credit and customer information
- Strong interpersonal skills and a collaborative approach
- Ability to coach, train, and lead junior staff in credit and financial analysis methods
- Availability for occasional domestic travel
- Ability to perform sedentary office work, use standard equipment, maintain concentration for extended periods, read and follow instructions, and perform basic arithmetic continuously
Imtiyozlar
- Health and wellness benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking products, benefits, and discounts
- Career development opportunities
- Reward and recognition programs
- Regular career, development, and performance discussions
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions
- Variable compensation and incentive awards, including potential cash and equity incentives