Miami / Dade Coral Gables Credit Analyst III

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com.

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.

* 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. * Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary. * Maintains credit files, monitors data such as updated financial statements and prepares 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.

* 4 year degree or equivalent experience * 3-5 years related experience required * Demonstrated knowledge of credit and financial analysis techniques. * Strong understanding of loan risk factors. * Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships. * Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly. * Effective time management skills. * Excellent written and oral communication skills. * Well developed research and analytical skills. * Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions. * Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. * Demonstrated ability to maintain the confidentiality of credit and Customer information * Excellent interpersonal skills and a team orientation. * Ability to coach, train and lead junior staff in credit and financial analysis techniques.