Job Description: The Credit Analyst III 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. Job Responsibilities: Responsible for complex loans/industries/Customers Works independently Strong understanding of loan risk factors May train/mentor/coach junior analysts Researches 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 Internet Participates 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 condition Supports the lending function by providing analytical support Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities Thoroughly analyzes 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 risk Job Requirements: Well developed research and analytical skills Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions Excellent written and oral communication skills Effective time management skills Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships Demonstrated ability to maintain the confidentiality of credit and Customer information Strong understanding of loan risk factors Demonstrates knowledge of credit and financial analysis techniques Ability to coach, train and lead junior staff in credit and financial analysis techniques Excellent interpersonal skills and a team orientation Qualification & Experience: 4 year degree or equivalent experience 3+ years related experience required Job Details: Company: TD Bank Vacancy Type: Full Time Job Functions: Finance Job Location: Greenville, SC, US Application Deadline: N/A Apply Here careersvite.com
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