Credit Analyst II (State & Municipal Credit Management)

Job Description

Credit Analyst II (State & Municipal Credit Management) | TD Bank

The Tone:
This is a full-time role at TD Bank, located in New York, New York. TD Bank is one of the world’s leading global financial institutions, serving over 27 million households and businesses. This position is vital within the specialized State & Municipal Credit Management vertical, focusing on underwriting new loans and managing credit for governmental borrowers. The role is critical for conducting in-depth financial and industry analyses to support sound lending decisions that align with the bank’s risk appetite.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: New York, NY
• Pay: $29.75–$47.75 USD hourly
• Team: TD Bank’s specialized State & Municipal Credit Management vertical
• Mission: Conduct in-depth industry and financial analysis of existing and potential borrowers to ensure sound lending decisions.

What You’ll Actually Do
• Underwrite new loans for governmental borrowers, including state and local governments, municipal utilities, and housing authorities.
• Manage an assigned portfolio of governmental borrowers, conducting ongoing financial and industry analyses.
• Prepare comprehensive and concise credit write-ups to support lending decisions.
• Develop insightful and timely approval memorandums for presentation to appropriate lending and credit authorities.
• Monitor compliance with regulatory requirements and commercial loan policy, identifying deviations and suggesting alternative structures.

The Must-Haves
• Background: 4-year degree or equivalent experience with developed knowledge of credit and financial analysis techniques.
• Experience: 2+ years of related experience in financial analysis.
• Skills: Strong oral and written communication skills, strong analytical and research skills, developed proficiency in word processing and spreadsheet software, ability to multi-task and meet deadlines.