TD
Job Title
Analyst - CIB Credit, TD Securities at TD
Work Location New York, New York, États-Unis d'Amérique
Hours 40
Line Of Business Gestion du crédit
Pay Detail $110,000 - $125,000 USD
Job Description At TD Securities, the CIB Credit function is an integral part of the full suite of services we offer under Investment Banking. Our Investment Banking professionals provide corporate and institutional clients with capital markets and banking advice and transaction executions worldwide.
TD Securities offers its U.S. based employees the advantage of working in a highly focused operation, while being part of a major global investment dealer. Confidence in our U.S. operations systems stems from the recognition of our in-depth industry knowledge and from our outstanding credit, structuring, research and distribution capabilities.
At TD Securities you will continue to expand on your knowledge in the industry, gaining valuable experience while you develop into a senior banker. You will be exposed to a wide variety of clients, industries, financing structures and products. You will also work in a team environment, building your corporate and leveraged finance banking skills necessary to be successful in the industry.
Analysts support our deal teams across multiple facets as we lead corporate and leveraged banking transactions and work closely with the Investment Banking team and clients on newly originated transactions and refinancings, as well as with our debt capital markets, equity capital markets, syndication and risk management teams. Ideal candidates will demonstrate strong attention to detail, responsiveness, and a proactive attitude. Senior Bankers support training, mentorship, and advancement in the industry as you grow with our team.
In This Capacity You Will
Support the structuring of new credit transactions, preparation of credit applications, client development, and transaction execution
Conduct appropriate market, industry, and client research and risk analysis
Work closely with Investment Banking, and other product groups, including Leveraged Finance, Debt Capital Markets, Equity Capital Markets, Derivatives, Cash Management and Foreign Exchange to ensure that cross sell opportunities are being developed and captured
Assist Loan Syndications in preparing materials and providing information to lenders in the syndicate
Qualifications
Well‑organized and detail oriented
Ability to work under pressure with tight deadlines and establish priorities with minimal supervision
Proactive, highly motivated and a team player
Successful candidates must have the capacity to become adept at financial modeling and be able to work effectively in a team
Depth & Scope
Responsible for financial analysis of moderately complex loans/industries/Customers
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
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
May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
Monitors compliance with regulatory requirements
Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
Achieves operational performance standards in quality and timeliness
Education & Experience
4 year degree or equivalent experience
1+ 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
Equal Opportunity Statement TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.
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Work Location New York, New York, États-Unis d'Amérique
Hours 40
Line Of Business Gestion du crédit
Pay Detail $110,000 - $125,000 USD
Job Description At TD Securities, the CIB Credit function is an integral part of the full suite of services we offer under Investment Banking. Our Investment Banking professionals provide corporate and institutional clients with capital markets and banking advice and transaction executions worldwide.
TD Securities offers its U.S. based employees the advantage of working in a highly focused operation, while being part of a major global investment dealer. Confidence in our U.S. operations systems stems from the recognition of our in-depth industry knowledge and from our outstanding credit, structuring, research and distribution capabilities.
At TD Securities you will continue to expand on your knowledge in the industry, gaining valuable experience while you develop into a senior banker. You will be exposed to a wide variety of clients, industries, financing structures and products. You will also work in a team environment, building your corporate and leveraged finance banking skills necessary to be successful in the industry.
Analysts support our deal teams across multiple facets as we lead corporate and leveraged banking transactions and work closely with the Investment Banking team and clients on newly originated transactions and refinancings, as well as with our debt capital markets, equity capital markets, syndication and risk management teams. Ideal candidates will demonstrate strong attention to detail, responsiveness, and a proactive attitude. Senior Bankers support training, mentorship, and advancement in the industry as you grow with our team.
In This Capacity You Will
Support the structuring of new credit transactions, preparation of credit applications, client development, and transaction execution
Conduct appropriate market, industry, and client research and risk analysis
Work closely with Investment Banking, and other product groups, including Leveraged Finance, Debt Capital Markets, Equity Capital Markets, Derivatives, Cash Management and Foreign Exchange to ensure that cross sell opportunities are being developed and captured
Assist Loan Syndications in preparing materials and providing information to lenders in the syndicate
Qualifications
Well‑organized and detail oriented
Ability to work under pressure with tight deadlines and establish priorities with minimal supervision
Proactive, highly motivated and a team player
Successful candidates must have the capacity to become adept at financial modeling and be able to work effectively in a team
Depth & Scope
Responsible for financial analysis of moderately complex loans/industries/Customers
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
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
May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
Monitors compliance with regulatory requirements
Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
Achieves operational performance standards in quality and timeliness
Education & Experience
4 year degree or equivalent experience
1+ 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
Equal Opportunity Statement TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.
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