Analyst - CIB Credit, TD Securities

Work Location: New York, New York, United States of America Hours: 40 Line of Business: Credit Management Pay Detail: $110,000 - $125,000 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Job Description: At TD Securities, the CIB Credit function is an integral part of the full suite of services we offer under Investment Banking. Our Investment Banking professionals provide corporate and institutional clients with capital markets and banking advice and transaction executions worldwide. TD Securities offers its U.S. based employees the advantage of working in a highly focused operation, while being part of a major global investment dealer. Confidence in our U.S. operations systems stems from the recognition of our in-depth industry knowledge and from our outstanding credit, structuring, research and distribution capabilities. At TD Securities you will continue to expand on your knowledge in the industry, gaining valuable experience while you develop into a senior banker. You will be exposed to a wide variety of clients, industries, financing structures and products. You will also work in a team environment, building your corporate and leveraged finance banking skills necessary to be successful in the industry. Analysts support our deal teams across multiple facets as we lead corporate and leveraged banking transactions and work closely with the Investment Banking team and clients on newly originated transactions and refinancings, as well as with our debt capital markets, equity capital markets, syndication and risk management teams. Ideal candidates will demonstrate strong attention to detail, responsiveness, and a proactive attitude. Senior Bankers support training, mentorship, and advancement in the industry as you grow with our team. In this capacity you will: Support the structuring of new credit transactions, preparation of credit applications, client development, and transaction execution Conduct appropriate market, industry, and client research and risk analysis Work closely with Investment Banking, and other product groups, including Leveraged Finance, Debt Capital Markets, Equity Capital Markets, Derivatives, Cash Management and Foreign Exchange to ensure that cross sell opportunities are being developed and captured Assist Loan Syndications in preparing materials and providing information to lenders in the syndicate Qualifications Well-organized and detail oriented Ability to work under pressure with tight deadlines and establish priorities with minimal supervision Proactive, highly motivated and a team player Successful candidates must have the capacity to become adept at financial modeling and be able to work effectively in a team Depth & Scope Responsible for financial analysis of moderately complex loans/industries/Customers Works more independently but under the guidance and review of lead staff Good understanding of loan risk factors 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 May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary May maintain credit files, monitor data such as updated financial statements and prepare 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: 4 year degree or equivalent experience 1 years related experience required Developed knowledge of credit and financial analysis techniques Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis Strong oral and written communication skills Strong analytical and research skills Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software Ability to multi-task and meet deadlines Ability to maintain the confidentiality of credit and Customer information Good interpersonal skills and a team orientation Who We Are TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day. Our Total Rewards Package 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. Learn more Additional Information: 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. Accommodation 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 Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific

Salary : $110,000 - $125,000