Retail Credit Review Analyst II

Company Name:
TD Bank
Job Description
This position is a remote position and may be filled in NJ, ME, or SC.
Conducts moderately complex loan reviews to ensure that loans are originated, processed and underwritten in compliance with
relevant regulations and consistent with Company policies.
Communicates with Line of Business lending department staff providing general feedback and observations.
Supports junior analysts regarding business line communications. Escalates serious issues to management as appropriate.
Develops summary reports for senior staff identifying trends and offering recommendations as assigned for process
Compares information obtained in credit risk review processes to those evaluated at the time of underwriting, identifying any
discrepancies. Makes recommendations to management to address discrepancies as needed.
Prepares spreadsheets for management recognizing potential risk and evaluates management''s response to risk issues.
Job Requirements
Underwriting experience preferred
4 year degree or progressive work experience in addition to experience below
3-5 Years of related experience
Strong communication skills with the ability to influence others'' decisions and actions without express authority.
Skilled at multitasking.
Demonstrated ability to make sound business decisions and prioritize work consistent with goals and objectives.
Solid knowledge of desktop technologies with technical aptitude to learn and employ unit software.
Good analytical skills. Recognizes trends and relationships in data and reports and can formulate appropriate responses.
All Retail Credit Review Assignments: Loan documentation and regulatory compliance.
Residential: Standard underwriting including self employed analysis and understanding underwriting for government program
Consumer: Standard underwriting including self employed analysis and knowledge of a variety of consumer loan products and
understanding of credit scoring.
Credit Card: Standard Underwriting under 2nd Look Process.
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.
Department Overview
The Retail Credit Review Analyst reviews assigned loans to ensure that loans are originated, processed and underwritten
in compliance with relevant regulations and Company policies. This job assists in loan portfolio reviews to ensure
acceptable credit standards, accurate risk ratings/assessments and that loans conform to established Company policy.
The Retail Credit Review Analyst may develop summary reports for senior management identifying trends and offering
recommendations as assigned for process improvements. The job participates in Due Diligence efforts, maintains
communications with the Line of Business Lending Staff, and documents responses to identify issues and problems.
The Retail Credit Review Analyst ensures that own work, as well as work of any Employees supervised, is in compliance
with applicable laws, regulations and guidelines, as detailed in policies located on Company intranet; policies include but
are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering
TD Description
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 Status: Full Time
Date Updated: 04-May-2014
Auto req ID: 54095BR
Job Title: Retail Credit Review Analyst II
Location: Lewiston - Bates Mill #7

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