Credit Risk Analyst

Credit Risk Analyst - Loan Review

Ensures that loans are originated, processed and underwritten in compliance with relevant policies, procedures and regulations. Conducts loan reviews on consumer loans direct, indirect and credit cards and business banking small business loans to ensure that acceptable credit standards are maintained and loans conform to established company and bank policies. Examines the consumer and small business loan collection processes for adherence to policy and procedure. Provides input to summary reports for senior management identifying trends and offering recommendations for process improvements.

Ensures that own work 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 policies.

Conducts loan reviews on the residential mortgage business. In addition, from time to time, may be asked to review consumer loans direct, indirect and credit cards, business banking small business loans, and special projects as assigned.

Requirements
Loan documentation, regulatory compliance, and report writing
Underwriting for a variety of consumer loan products, detailed knowledge of credit scoring.

Qualifications/Education
- BS/BA in business related field or equivalent work experience.
- 3-5 years related banking experience with preference given to candidates with underwriting, audit or loan review experience.
- Strong communication skills with the ability to influence without authority.
- Skilled at multi-tasking. 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. Knowledge of business line software - Fiserv, ALSCOM and Provenir - a plus.
- Good analytical skills. Recognizes trends and relationships in data and reports and can formulate appropriate responses.
- Has experience/familiarity with due diligence processes.

TD Bank is an Equal Opportunity Employer. Drug Test and Background Screening is Required.