CIB Credit Analyst

About TD Securities and Investment Banking

At TD Securities, the Corporate and Leveraged Finance 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 learn the financing business and gain a competitive advantage of your own. You will be exposed to a wide variety of clients, industries, financing structures and products. You will also work in a team environment, honing your corporate and leveraged finance banking skills necessary to be successful in the industry.

About the CIB Credit Analyst Role

Analysts in our Corporate and Leveraged Finance groups are involved with the structuring, execution and monitoring of debt transactions from inception through closing. Working with clients in a variety of industries, you will gain exposure to different business models and industry dynamics.

Key Responsibilities

• Spread and monitor clients’ historical financial performance;
• Create detailed models to project clients’ future cash flows and debt ratios;
• Gather and analyze trends in qualitative and quantitative data;
• Analyze deal structures;
• Prepare and present diligence and structuring recommendations;
• Compile data through due diligence and prepare comprehensive reviews that analyze transactions and client risks;
• Assist with deal negotiations and documentation; and
• Prepare client presentations.

Qualifications

Strong financial/analytical skills and excellent verbal and written communication abilities are essential. Successful candidates must have the capacity to become adept at financial modeling and be able to work effectively in a team environment.

You will be responsible for financial analysis of moderately complex loans/industries/Customers, working independently under the guidance of lead staff. A good understanding of loan risk factors is required. This involves researching industry-specific information from various outside sources and participating in Customer meetings to gather specific information. You will be an integral part of the loan origination process, performing underwriting analysis of Borrower's character, creditworthiness, and financial condition, and preparing insightful approval memorandums. Thorough analysis of financial statements, management profiles, business and product cycles, cash flow ability, collateral, and aging will be expected to identify trends, measure performance, assess financial strength, and develop credit risk assessments. You may also prepare complete written analyses with recommendations, maintain credit files, and monitor compliance with regulatory requirements.

Education & Experience

• 4-year degree or equivalent experience;
• 2+ years related experience;
• Developed knowledge of credit and financial analysis techniques;
• 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 strive to make every interaction, product and experience remarkably human and refreshingly simple. 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.

Together, we are reimagining what banking can be for our clients, colleagues and communities.

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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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.

Key skills/competency

• Financial Modeling
• Credit Analysis
• Due Diligence
• Cash Flow Projection
• Risk Assessment
• Debt Structuring
• Client Presentation
• Data Analysis
• Regulatory Compliance
• Financial Spreading