ABL Credit Analyst III

ABL Credit Analyst

The ABL Credit Analyst role within Commercial Credit Management at TD Bank, is a key part of the Asset Based Lending (ABL) Team, which is responsible for the structuring, underwriting, and portfolio management of asset-based revolving lines of credit. These ABL revolvers are provided to a broadly diversified client base of commercial borrowers, typically with revenues exceeding $100 million, across sectors like retail, distribution, manufacturing, and wholesale, primarily to support working capital and other general corporate needs. The ABL Credit Management function operates in alignment with the line of business, collaborating closely with Relationship Management and Credit Risk Management, and is tasked with recommending loan opportunities that are consistent with TD Bank's established Risk Appetite Principles.

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.

Depth & Scope :

• 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
• Participates in customer meetings and makes direct inquiry for specific customer information based on prior research, experience, and knowledge
• Integral part of loan origination process; responsible for performing underwriting analysis of borrowers 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

Education & Experience :

Physical Requirements :

Never : 0%; Occasional : 1-33%; Frequent : 34-66%; Continuous : 67-100%

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States, and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities, and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing and so will you.

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes base salary and variable compensation / incentive awards (e.g., eligibility for cash and / or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD