Remote Merch Srvs Sr Credit Analyst

Note: The job is a remote job and is open to candidates in USA. TD Bank is one of the world's leading global financial institutions, and they are seeking a Senior Credit Analyst for their Merchant Services division. This role involves analyzing financial statements and credit risk assessments, approving merchant applications, and performing quality underwriting for complex requests.ResponsibilitiesAnalyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk including reviewing in-depth historical operating performanceDevelops assessment/summary by identifying key strengths and risks, recommending a decision and a risk ratingIndependently discusses and recommends alternative structures, overall assessments, and any outstanding requirements with merchant Sales RepsPerforms quality underwriting for merchant application requestsMay begin to analyze requests in a specific industry, that are complex in structure, or of a large market natureApproves and/or recommends accounts within established merchant credit policy and individual credit approval limit authorityIndependently prepares analyses for designated merchant accounts that includes identifying any deviations from the merchant policy, recommending processing or reserve changes in order to preserve profitability, reduce credit risk and merchant exposurePerforms a financial analysis on customer-provided or bank-generated projections including the performance of "what-if" scenarios that test the reasonableness of the projections provided to the CompanyCollects and maintains industry data from outside sources, including conversations with the borrower, industry publications, payment card network information, etc to assist with approach to risk assessmentParticipates in and/or assists in leading internal training activities to sales and customer service employeesParticipates in special projects and performs additional duties as required e.g. AML reportingRepresents TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates in professional organizations, as opportunities become availableSkills4 Year Degree or equivalent3-5 Years of credit risk experienceCredit and Financial statement analysis experienceHighly motivated and committed to providing superior serviceStrong communication skills, interpersonal skills and the ability to work independently and as part of a team are essentialRequires superior analytical skills and the ability to exercise sound judgment to make decisionsProven accuracy, well organized and able to multi-task to meet SLAsExpert knowledge of practices and procedures as related to Payment Card Network rules and regulationsBenefitsHealth and well-being benefitsSavings and retirement programsPaid time off (including Vacation PTO, Flex PTO, and Holiday PTO)Banking benefits and discountsCareer developmentReward and recognitionRegular development conversationsTraining programsTraining and onboarding sessionsAccess to an online learning platformVariety of mentoring programsRegular career, development, and performance conversationsEligibility for cash and/or equity incentive awards (generally through participation in an incentive plan)Company OverviewThe Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD). It was founded in 1852, and is headquartered in Wilmington, Delaware, USA, with a workforce of 10001+ employees. Its website is https://www.td.com.Company H1B SponsorshipTD has a track record of offering H1B sponsorships, with 1 in 2022, 6 in 2020. Please note that this does not guarantee sponsorship for this specific role. Apply To this Job .