Merchant Services Credit Analyst
Company Name:
TD Bank
About TD Bank, America's Most Convenient Bank
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth , and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit . Find TD Bank on Facebook at and on Twitter at .
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 .
Job Description o May require supervision
o Analyzes financial statements, management profiles,
business/product cycles, and cash flow ability to develop
an assessment of credit risk including reviewing in-depth
historical operating performance. Develops
assessment/summary by identifying key strengths and
risks, recommending a decision and a risk rating
o Independently discusses and recommends alternative
structures, overall assessments, and any outstanding
requirements with merchant Sales Reps
o Performs quality underwriting for merchant application
requests; May begin to analyze requests in a specific
industry, that are complex in structure, or of a large
market nature. Approves and/or recommends accounts within established merchant credit policy and individual
credit approval limit authority
o Independently 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 exposure
o Performs 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 Company
Qualifications o 4 Year Degree or equivalent
o 1-2 Years Experience
o Credit and Financial statement analysis experience
o Highly motivated and committed to providing superior
service
o Strong communication skills, interpersonal skills and the
ability to work independently and as part of a team are
essential
o Requires strong analytical skills and the ability to exercise
sound judgment to make decisions
o Must be accurate, well organized and able to multi-task
to meet SLAs
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Merchant Services Credit Analyst
Lewiston-Maine
71405br Estimated Salary: $20 to $28 per hour based on qualifications.
TD Bank
About TD Bank, America's Most Convenient Bank
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth , and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit . Find TD Bank on Facebook at and on Twitter at .
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 .
Job Description o May require supervision
o Analyzes financial statements, management profiles,
business/product cycles, and cash flow ability to develop
an assessment of credit risk including reviewing in-depth
historical operating performance. Develops
assessment/summary by identifying key strengths and
risks, recommending a decision and a risk rating
o Independently discusses and recommends alternative
structures, overall assessments, and any outstanding
requirements with merchant Sales Reps
o Performs quality underwriting for merchant application
requests; May begin to analyze requests in a specific
industry, that are complex in structure, or of a large
market nature. Approves and/or recommends accounts within established merchant credit policy and individual
credit approval limit authority
o Independently 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 exposure
o Performs 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 Company
Qualifications o 4 Year Degree or equivalent
o 1-2 Years Experience
o Credit and Financial statement analysis experience
o Highly motivated and committed to providing superior
service
o Strong communication skills, interpersonal skills and the
ability to work independently and as part of a team are
essential
o Requires strong analytical skills and the ability to exercise
sound judgment to make decisions
o Must be accurate, well organized and able to multi-task
to meet SLAs
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Merchant Services Credit Analyst
Lewiston-Maine
71405br Estimated Salary: $20 to $28 per hour based on qualifications.
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