TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

The Credit Analyst II 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.

• Responsible for financial analysis of moderately complex loans/industries/Customer.
• Works more independently but under the guidance and review of lead staff.
• Good understanding of loan risk factors.
• 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.
• Must be eligible for employment under regulatory standards applicable to the position.

• 4 year degree or equivalent experience.
• 2-4 years related experience required.
• Developed knowledge of credit and financial analysis techniques.
• Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
• Strong oral and written communication skills.
• Strong analytical and research skills.
• Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
• Ability to multi-task and meet deadlines.
• Ability to maintain the confidentiality of credit and Customer information.
• Good interpersonal skills and a team orientation.

• Previous experience with affordable housing finance preferred.

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 in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.