TD · 1 day ago
Affordable Housing - Credit Analyst II
Charlotte, North Carolina
Full-time
Onsite
Entry, Mid Level
$29.75/hr - $47.75/hr
2+ years expTD Bank is one of the world's leading global financial institutions, and they are seeking a Credit Analyst II to join their Community Reinvestment Act Team. The role involves conducting in-depth industry and financial analysis of existing and potential borrowers to support the Lending and Credit functions of the Bank.
BankingFinanceFinancial ServicesWealth Management
Responsibilities
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
Qualification
Required
4 year degree or equivalent experience
2+ 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
Preferred
Experience with LIHTC, Tax-Exempt Bond, and other forms of affordable housing finance
Experience in real estate finance and modeling
Strong Microsoft Excel knowledge
Benefits
Health and well-being benefits
Savings and retirement programs
Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
Banking benefits and discounts
Career development
Reward and recognition
Company
The Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD).
10001+ employees
H1B Sponsorship
TD has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2022 (1)
2020 (6)
Funding
Current Stage
Late StageTotal Funding
$65MKey Investors
U.S. Department of the Treasury
2023-10-03Grant· $65M
Leadership Team
Brian Jacobson
Chief of Staff to the CEO, TD Bank, America's Most Convenient Bank
F
Foster Glenn
SVP, Chief Information Security Officer
Recent News
Winnipeg Free Press
2026-01-09
2026-01-06
2026-01-03
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