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business intelligence analyst

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associate data analyst

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commercial credit analyst

<div>
 
 Work Location:
 
 
 
 New York, New York, &Eacute;tats-Unis d'Am&eacute;rique
 
 
 
 Hours
 
 
 
 40
 
 
 
 Pay Details
 
 
 
 $29.75 - $47.75 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.
 
 
 
 Line Of Business
 
 
 
 Gestion du cr&eacute;dit
 
 
 
 Job Description
 
 
 
 
 Depth &amp; Scope:
 
 
 
 This Credit Analyst II position is within TD Bank's specialized State &amp; Municipal Credit Management vertical and will be located in either New York City or Philadelphia. The Credit Analyst II engages in various credit activities including new loan underwriting and managing an assigned portfolio of governmental borrowers including state and local governments (cities, towns, counties), municipal utilities, housing authorities, and other special districts. This role involves completing comprehensive but concise credit write-ups and conducting in-depth financial and industry analyses to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives.
 
 
 The above details are specific to the role which is outlined in the general description below.
 
 
 The Credit Analyst II 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 &amp; Scope
 
 
 
 <ul>
 <li>
 Responsible for financial analysis of moderately complex loans/industries/Customers
 </li>
 <li>
 Works more independently but under the guidance and review of lead staff
 </li>
 <li>
 Good understanding of loan risk factors
 </li>
 <li>
 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
 </li>
 <li>
 Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
 </li>
 <li>
 Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
 </li>
 <li>
 Supports the lending function by providing analytical support
 </li>
 <li>
 Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
 </li>
 <li>
 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
 </li>
 <li>
 May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
 </li>
 <li>
 May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
 </li>
 <li>
 Monitors compliance with regulatory requirements
 </li>
 <li>
 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
 </li>
 <li>
 Achieves operational performance standards in quality and timeliness
 
 
 </li>
 </ul>
 
 Education &amp; Experience
 
 
 
 <ul>
 <li>
 4 year degree or equivalent experience
 </li>
 <li>
 2+ years related experience required
 </li>
 <li>
 Developed knowledge of credit and financial analysis techniques.
 </li>
 <li>
 Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
 </li>
 <li>
 Strong oral and written communication skills.
 </li>
 <li>
 Strong analytical and research skills.
 </li>
 <li>
 Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
 </li>
 <li>
 Ability to multi-task and meet deadlines.
 </li>
 <li>
 Ability to maintain the confidentiality of credit and Customer information.
 </li>
 <li>
 Good interpersonal skills and a team orientation.
 
 
 </li>
 </ul>
 
 Physical Requirements
 
 
 
 Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
 
 
 <ul>
 <li>
 Domestic Travel &ndash; Occasional
 </li>
 <li>
 International Travel &ndash; Never
 </li>
 <li>
 Performing sedentary work &ndash; Continuous
 </li>
 <li>
 Performing multiple tasks &ndash; Continuous
 </li>
 <li>
 Operating standard office equipment - Continuous
 </li>
 <li>
 Responding quickly to sounds &ndash; Occasional
 </li>
 <li>
 Sitting &ndash; Continuous
 </li>
 <li>
 Standing &ndash; Occasional
 </li>
 <li>
 Walking &ndash; Occasional
 </li>
 <li>
 Moving safely in confined spaces &ndash; Occasional
 </li>
 <li>
 Lifting/Carrying (under 25 lbs.) &ndash; Occasional
 </li>
 <li>
 Lifting/Carrying (over 25 lbs.) &ndash; Never
 </li>
 <li>
 Squatting &ndash; Occasional
 </li>
 <li>
 Bending &ndash; Occasional
 </li>
 <li>
 Kneeling &ndash; Never
 </li>
 <li>
 Crawling &ndash; Never
 </li>
 <li>
 Climbing &ndash; Never
 </li>
 <li>
 Reaching overhead &ndash; Never
 </li>
 <li>
 Reaching forward &ndash; Occasional
 </li>
 <li>
 Pushing &ndash; Never
 </li>
 <li>
 Pulling &ndash; Never
 </li>
 <li>
 Twisting &ndash; Never
 </li>
 <li>
 Concentrating for long periods of time &ndash; Continuous
 </li>
 <li>
 Applying common sense to deal with problems involving standardized situations &ndash; Continuous
 </li>
 <li>
 Reading, writing and comprehending instructions &ndash; Continuous
 </li>
 <li>
 Adding, subtracting, multiplying and dividing &ndash; Continuous
 
 
 </li>
 </ul>
 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 &amp; duties are considered essential functions for ADA purposes.`
 
 
 
 Who We Are
 
 
 
 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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. 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&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
 
 Colleague Development
 
 
 
 If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;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&rsquo;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 &amp; Onboarding
 
 
 
 We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
 
 Interview Process
 
 
 
 We&rsquo;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.
</div>

Credit Analyst II - State & Muni - Great Entry Level Opportunity for those with a degree in Finance or Accounting

Sumitomo Mitsui Trust Bank Limited New York Branch

<div>
 
 
 This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week.
 
 
 
 
 
 
 This is an entry-level credit analyst role for Assistant Officer level candidates.
 
 
 
 
 
 
 About the Bank
 
 
 
 
 Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.
 
 
 
 
 
 
 
 Department Overview
 
 
 
 The Americas Division (&ldquo;AD&rdquo;) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (&ldquo;SMTBNY&rdquo;) to perform corporate functions and supervise U.S. entities. Established under the AD are the &ldquo;Global Banking Unit (&ldquo;GBU&rdquo;), Americas Division&rdquo; and &ldquo;Global Markets Unit (&ldquo;GMU&rdquo;), Americas Division&rdquo; which performs business functions. The Specialty Finance Department (&ldquo;SFD&rdquo;) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance and Aviation.
 
 
 
 
 
 
 Your Role Overview:
 
 
 
 Responsible for credit evaluation and deal maintenance for Trade &amp; Commodity Finance and Aviation. The analyst would be involved in all facets of this team&rsquo;s coverage, with a focus on underwriting and monitoring activities, with exposure to origination and structuring activities.
 
 
 
 
 
 
 Your Duties and Responsibilities
 
 
 <ol>
 <li>
 Reviews potential assets in assigned products/industries, prepares detailed credit memos and credit applications and makes investment recommendations, based upon a comprehensive financial and qualitative analysis.
 </li>
 <li>
 Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management.
 </li>
 <li>
 Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity.
 </li>
 <li>
 Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities.
 </li>
 <li>
 Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated.
 </li>
 <li>
 May support deal structuring activities.
 </li>
 <li>
 Performs other duties and responsibilities as assigned by management.
 </li>
 </ol>
 
 
 
 
 
 Your Qualifications:
 
 
 <ol>
 <li>
 Bachelor&rsquo;s degree in Finance or Economics or equivalent with 0-2 years related experience.
 </li>
 <li>
 Good knowledge of finance and basic accounting.
 </li>
 <li>
 Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies.
 </li>
 <li>
 Basic knowledge of corporate finance transactions.
 </li>
 <li>
 Basic knowledge of loan markets.
 </li>
 <li>
 Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities.
 </li>
 <li>
 Excellent oral and written communication skills.
 </li>
 </ol>
 
 
 
 
 
 
 
 
 Why you should join SuMi Trust:
 
 
 
 
 SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion.
 
 
 <ul>
 <li>
 
 The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance.
 
 </li>
 <li>
 
 We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals.
 
 </li>
 </ul>
 
 Check out our LinkedIn for our employee experience: https://www.linkedin.com/company/smtbny
 
 
 
 
 
 
 
 
 We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application
 
 
 
 
</div>

Credit Analyst - Specialty Finance

TD Bank

<div>Work Location:
New York, New York, United States of America
Hours:
40
Pay Details:
$40.19 - $60.28 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.
Line of Business:
Credit Management
Job Description:
Department Overview:
TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The team is responsible for underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite, working closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships.
The above details are specific to the role which is outlined in the general description below.
The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. The Credit Analyst III, Middle Market works cooperatively to support the Lending and Credit functions of the Bank.
Depth &amp; Scope:
<ul><li>Responsible for complex Middle Market loans/industries/Customers
</li><li>Works independently
</li><li>Strong understanding of loan risk factors
</li><li>May train/mentor/coach junior analysts
</li><li>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
</li><li>Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
</li><li>Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
</li><li>Supports the lending function by providing analytical support
</li><li>Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
</li><li>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
</li><li>Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
</li><li>Maintains credit files, monitors data such as updated financial statements and prepares updated analysis memos
</li><li>Monitors compliance with regulatory requirements
</li><li>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
</li><li>Achieves operational performance standards in quality and timeliness
</li></ul>Education &amp; Experience:
<ul><li>4 year degree or equivalent experience
</li><li>3+ years related experience required
</li><li>Demonstrates knowledge of credit and financial analysis techniques
</li><li>Strong understanding of loan risk factors
</li><li>Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
</li><li>Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
</li><li>Effective time management skills
</li><li>Excellent written and oral communication skills
</li><li>Well-developed research and analytical skills
</li><li>Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions
</li><li>Develops PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
</li><li>Demonstrats ability to maintain the confidentiality of credit and Customer information
</li><li>Excellent interpersonal skills and a team orientation
</li><li>Ability to coach, train and lead junior staff in credit and financial analysis techniques
</li></ul>Customer Accountabilities:
<ul><li>Understands and supports the Bank's Customer Service Strategy
</li><li>Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
</li><li>Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
</li><li>Models quality service delivery at every interaction
</li><li>Leads and contributes to the ongoing improvement of the partner/Customer experience
</li></ul>Shareholder Accountabilities:
<ul><li>Participates in civic activities to promote growth and development of the community and a positive image for TD
</li><li>Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with &ldquo;Best Run&rdquo; concepts and overall enterprise strategy and objectives
</li><li>Participates in establishing and executing plans and goals for the Business to drive toward results
</li><li>Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies
</li><li>Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD&rsquo;s scale and operating model
</li><li>Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization
</li><li>Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite
</li><li>Successfully completes all required job specific, compliance-related training; understands, utilizes and follows Compliance/Risk and control programs; consult with all risk functions in the development and documentation of policies, procedures and controls, for all department processes
</li><li>Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans
</li></ul>Employee/Team Accountabilities:
<ul><li>Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD&rsquo;s diversity agenda, and create an extraordinary employee experience
</li><li>Participates fully as a member of the team and contribute to a positive work environment
</li><li>May provide leadership, training, and guidance to other team members
</li><li>Ensures ongoing communication with the team on the status/progress of projects and issues/points of interest
</li><li>Actively shares information and knowledge, and proactively learn from the expertise of others
</li></ul>Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>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 &amp; duties are considered &quot;essential functions&quot; for ADA purposes.
Who We Are:
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. 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&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;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&rsquo;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 &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;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.</div>

Credit Analyst III - Middle Market Sponsor

VX SERVICES

<div>About Us:

VaynerX (http://vaynerx.com) is the most contemporary family of companies, working together to build and grow brands. Subsidiaries include VaynerMedia, Eva Nosidam Productions, The Sasha Group, Gallery Media Group, Tingley Lane Trading, VaynerSpeakers, and VaynerCommerce. 


About Vayner Media

VaynerMedia is a contemporary global creative and media agency with an expertise in driving relevance for clients and delivering impactful business results. The independently-owned company was founded in 2009 by Gary Vaynerchuk, and has offices in New York, Los Angeles, Toronto, Mexico City, London, Amsterdam, Singapore, Delhi, Kuala Lumpur, Bangkok, Tokyo, and Sydney. VaynerMedia has been recognized for its work at Cannes Lions, the Clio Awards and The Webby Awards. It is part of the VaynerX family of companies. 


Commercial Finance Analyst 
Location: New York, NY (Hybrid &ndash; 2&ndash;3 days in office) 

About the Role 
We are looking for a detail-oriented and analytical Commercial Finance Analyst to join our 
Commercial Finance team in New York. 
This opportunity is ideal for someone early in their finance career who is eager to learn, 
develop strong financial operations skills, 
and work cross-functionally with teams across the business. 
In this role, you will support financial operations and reporting for the VaynerMedia New 
York region and EVA-related workstreams, 
helping ensure financial processes run smoothly while contributing to budgeting, revenue 
analysis, and operational finance activities. 
This role offers strong exposure to commercial finance, financial reporting, and operational 
decision-making within a collaborative environment. 

What You'll Do: 
 Support financial operations and reporting across the New York commercial finance 
team 
 Assist with budget tracking, forecasting support, and financial analysis 
 Support the monthly close process 
 Work with the Shared Services team to assist in managing and tracking the invoicing 
process and ensuring clients pay accurately and on time 
 Analyze budgets, costs, and financial performance metrics 
 Work cross-functionally with Client Services, Project Management, Accounting, and 
Finance teams 
 Maintain financial data and reporting within tools such as Excel/Google Sheets and ERP 
systems such as NetSuite, SAP, or Oracle NetSuite 

What We're Looking For: 
 0&ndash;2 years of experience in commercial finance, finance, accounting, financial operations, 
or another finance-oriented role 
 Bachelor's degree in Finance, Accounting, Economics, Business, Communications, or a 
related field 
 Strong Excel or Google Sheets skills 
 Strong analytical and problem-solving ability 
 Highly detail-oriented and organized 
 Strong communication and collaboration skills 
 A proactive go getter mindset with a desire to learn 


Highly organized, highly motivated, goal and detail-oriented self-starter who is looking to jump in and embrace the Commercial Finance team structure and responsibilities.

The task at hand:
<ul>
<li>Work with the following Departments to understand business priorities and portfolio-specific financial needs: Financial Operations and cross-functional partnership with Shared Services (A/P and A/R), Accounting, Client Services and Project Management</li>
<li>Liaison with the Shared Services (A/R) team, working closely with direct oversight to track the invoicing process using Netsuite (ERP), from invoice creation to ensuring Client's payments occur timely and accurately while maintaining a strong Client relationship</li>
<li>Coordinate with Shared Services &amp; Treasury to follow-up &amp; analyze overdue A/R</li>
<li>Responsible for preparing monthly revenue recognition, including coordination with Accounting as part of the monthly closing process</li>
<li>Provide support to the Financial Operations Lead throughout the monthly close, including ensuring all monthly invoicing has been completed and tracked to support revenue recognition</li>
<li>Responsible for Purchase Order (PO) approval</li>
<li>Coordinate with Shared Services (A/P) to ensure payment has been made to our vendors and the relevant PO process has been followed</li>
<li>Participate in project wrap meetings, when applicable, to provide context and ensure projects can be fully closed out (impacts revenue, accounts receivable, accounts payable and WIP releases)</li>
<li>Understand and review budgets and scope of works (SOWs) to ensure financial invoicing details and payment terms are accurate</li>
<li>Ad hoc projects: budget analysis, agency costs, exposure to forecasting &amp; staff cost tracking</li>
</ul>
The ideal candidate has:
<ul>
<li>2-4 years of work within an agency or business service environment in a Financial Operations, Client Finance or Accounting</li>
<li>Bachelor's degree in Finance or Accounting or related field</li>
<li>Ability to demonstrate strong project management skills, including the ability to multitask and prioritize tasks and responsibilities</li>
<li>Experience with Netsuite (or a similar commercial ERP required)</li>
<li>Experience with NSPB (or similar planning tools) considered a plus</li>
<li>Strong working knowledge of MS Excel and Google Sheets (pivot tables and Vlookups will be your best friends).</li>
<li>Strong ability to partner with cross-functional teams and address business concerns in a diplomatic fashion</li>
<li>Excellent verbal and written communication skills</li>
<li>Ability to work both independently, and as part of a team while thriving in a fast-paced, high-pressure environment</li></ul></div>

Commercial Finance Analyst

Social Capital Resources

<div>
 
 
 Top-Tier Bank in Midtown, Manhattan is seeking an Underwriting &amp; Portfolio Analyst (Project Finance) for a long-term, temporary-to-permanent position!
 
 
 
 
 
 
 
 Responsibilities:
 
 
 
 
 
 <ul>
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 Assisting the Head of the Team and Portfolio Manager in managing the existing loan portfolio
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 Support relationship managers in drafting credit applications, performing credit analysis, and conducting commercial due diligence
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 Ensuring compliance, risk management, and internal controls
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 Perform Know Your Customer (KYC) due diligence in compliance with bank requirements
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 Function as a deal-closing coordinator and prepare necessary paperwork
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 Assist relationship managers in credit analysis tasks
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 Prepare KYC reviews and reports
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 Assist portfolio manager in portfolio-level monitoring
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 Assisting with Post Disbursement Management
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 </ul>
 
 
 
 
 
 Qualifications:
 
 
 
 
 
 <ul>
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 Bachelor&rsquo;s degree
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 Strong credit, financial analysis, quantitative, and analytical skills
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 Experience in credit reasoning, credit writing, and financial modeling
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 Experience in KYC due diligence and banking operations
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 Prior banking experience, ideally in a commercial bank
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 1-5 years experience with Project Finance
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 Excellent written and verbal communication skills.
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 </ul>
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Underwriting & Portfolio Analyst (Project Finance)

Guggenheim Partners

<div><div>Job Description:</div><div></div><div>
Guggenheim Securities</div><div></div><div>
Position Summary</div><div>
Guggenheim Securities (&ldquo;Guggenheim&rdquo;) is establishing a warehouse lending business and is seeking a Vice President to help build and launch it.</div><div>
The role will be located in the firm&rsquo;s New York office.</div><div></div><div>
Essential Job Functions</div><ul><li>
Work with the group&rsquo;s senior professionals to execute Warehouse, Delayed Draw, Term ABS, Origination and/or other types of securitized products transactions across a variety of asset classes</li><li>
Conduct deal due diligence and vetting</li><li>
Coordinate with all transaction parties throughout the transaction execution lifecycle</li><li>
Project management and ratings work</li><li>
Review and monitor transaction legal documentation</li><li>
Perform portfolio and historical data analysis for various types of assets</li><li>
Conduct market research and industry review projects for new and emerging asset classes</li></ul><div></div><div>
Preferred Qualifications</div><ul><li>
Bachelor&rsquo;s Degree</li><li>
3+ years of experience in warehouse lending origination, credit analysis, execution and structuring</li><li>
Experience with cash flow modeling of warehouse facilities required</li><li>
Strong quantitative skills; Microsoft Excel modeling experience required, familiarity with VBA a plus</li><li>
Must have familiarity with warehouse and securitization legal documentation</li><li>
Detail-oriented, organized, with initiative and ability to multitask and work as part of a team</li><li>
Excellent written and verbal communication skills</li><li>
Resourcefulness, intellectual curiosity and enthusiasm</li><li>
Experience leading day-to-day execution of warehouse financing and/or securitization transactions</li></ul><div></div><div>
Work Location</div><ul><li>
Currently, this role is expected to be in the New York office at least 4 days per week.</li></ul><div></div><div>
Salary</div><ul><li>
Annual base salary between $175,000 and $200,000.</li><li>
The base salary range represents the low and high end of the anticipated base salary range for this position. Actual base salaries may vary depending on factors such as location and experience. The range listed reflects base salary only, and the total compensation package may include other components such as incentive compensation.</li></ul><div></div><div>
About Us:</div><div></div><div>
Guggenheim Securities is the investment banking and capital markets business of Guggenheim Partners, a global investment and advisory firm. Guggenheim Securities offers services that fall into four broad categories: Advisory, Financing, Sales and Trading, and Research. Guggenheim Securities is headquartered in New York, with additional offices in Chicago, Boston, Atlanta, San Francisco, and Houston.</div><div></div><div>
For more information, please visit GuggenheimSecurities.com, follow us on LinkedIn or contact us at GSLateralRecruiting@guggenheimpartners.com or 212.518.9200.</div><div></div><div>
Guggenheim Securities, LLC (&ldquo;GS&rdquo;) does not accept unsolicited resumes or applications. GS considers any resume or application to be unsolicited if (a) received from an entity or individual without a current recruiting agreement with GS or (b) submitted to anyone at the firm other than through the process set forth in the recruiting agreement between GS and the submitting entity or individual, and GS will not pay a fee to any entity or individual for such submission.</div></div>

Associate – Credit Analyst, Warehouse Lending Execution

Crédit Agricole CIB

<div>
 
 
 Team and position
 
 
 
 
 
 
 Credit Agricole is among world top 10 banking groups. Our NY based Leveraged Finance team is directly responsible for origination and execution of LBOs with leading Private Equity Funds in North America, as well as financings for leveraged (non-investment grade) corporates, across loans and HY bonds. In addition, the team is also in charge of event driven financings (M&amp;A and IPO related) for Investment Grade clients, and of leveraged / structured financing transactions in the TMT sector, including the current wave of infrastructure flavored deals (towercos, data centers, fibercos, GPU Financings) with Infrastructure Funds, across North America and Latam. It is referred to internally as the &ldquo;LATFG&rdquo; team (Leveraged, Acquisition &amp; TMT Finance).
 
 
 
 
 
 Building on its recent successes, the team is expanding to support its strong growth ambitions. In order to address the increasing volumes of credit and reporting management work generated by our expanding loan portfolio, we are setting up a portfolio management (PFM) team.
 
 
 We are opening a Portfolio Management analyst position. The analyst will report to the Director in charge of Portfolio Management, with regular interaction with the origination part of LATFG team.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 1) Credit monitoring of our loan portfolio:
 
 
 Contribute to the ongoing credit monitoring work for part of the leveraged finance and TMT loan portfolio (current volume of about 70 deals): write up of annual reviews, credit papers in relation to
 
 
 waivers and amendments, quarterly write ups for loans under watch. In close coordination with
 
 
 respective deal/client teams.
 
 <ul>
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 Proactively flag to LATFG manager and Portfolio Management Director and respective LATFG
 </li>
 </ul>
 
 client teams any early warning signals of credit deterioration, concerns, or ideas for commercial
 
 
 opportunities
 
 <ul>
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 Ensure timely propagation of internal rating decisions within the internal IT systems.
 </li>
 </ul>
 
 Occasionally represent the team in the various credit committees (NY credit committee, CLF credit committee, CRC) and monitoring committees (Quarterly committees for underperforming loans or
 
 
 loans under watch &ldquo;SARs&rdquo; and &ldquo;SACs&rdquo;), underperforming or under watch loans
 
 <ul>
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 Coordinate with CLF Losa team to monitor evolution of the portfolio (increases or reductions via amortization, prepayments, secondary trades etc)
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 Coordinate with CLF Losa and respective deal/client teams to ensure authorizations recorded in internal systems are accurate and up to date.
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 Maintain close coordination on all of the above tasks with respective LATFG client teams. Interact with clients whenever necessary to clarify credit related questions, in coordination with the LATFG
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 </ul>
 
 client team.
 
 <ul>
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 Review quarterly or annual information provided by client, connect to lender or investor calls
 </li>
 </ul>
 
 organized by clients and relay summaries of meaningful information to LATFG team manager and
 
 
 respective LATFG client team.
 
 <ul>
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 Depending on deal flow, there will also be occasional opportunities to get involved in live, new
 </li>
 </ul>
 
 deals as part of the origination deal team.
 
 
 
 
 
 2) Contribute to Internal and Regulatory Reporting:
 
 <ul>
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 Collect data and under PFM Director, assist with the regular requests for reporting from our
 </li>
 </ul>
 
 internal stakeholders (HO business line, COO teams, RPC): monthly anomaly reports, monthly
 
 
 LevFin excel pipeline, quarterly portfolio review files, &ldquo;deals world&rdquo; database for LBOs, etc
 
 <ul>
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 Contribute to recurring, ad hoc, and annual audits (NY annual and quarterly CUSO Loan Review, ad hoc NY portfolio reviews, Internal Audit &ldquo;Inspection Generale&rdquo;, add hoc CUSO reviews)
 </li>
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 Assist team manager and respective deal teams in ensuring that the CLF pipeline tool (&ldquo;Diamond&rdquo;) is up to date.
 </li>
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 Contribute to occasional ad hoc information requests when and as required
 </li>
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 Assist LATFG manager with periodic estimate of landing vs budget and other planning tasks
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 </ul>
 
 
 
 
 
 Candidate background / experience
 
 
 <ul>
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 Ideally 1-2 year experience in either a leveraged finance environment (portfolio management or origination and execution), or a credit risk / credit underwriting and monitoring function.
 </li>
 <li>
 Relevant academic background (BA/BS degree with economics/finance major coursework, ideally Master's degree &ndash; Msc Finance or MBA).
 </li>
 </ul>
 
 
 
 
 
 Skills
 
 
 <ul>
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 Strong quantitative and qualitative analytical skills
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 Prior experience in financial analysis, cash flow modeling experience will be a plus
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 Reliability, attention to detail and quality outputs,
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 Good organizational skills: ability to keep track of deadlines, to organize its own work
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 Good communication and interpersonal skills (ability to communicate seamlessly with LATFG deal teams, and capacity to interact convincingly and forcefully with internal partners, in particular with RPC &amp; senior representatives from Bus Line or coverage)
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 MS Office suite proficiency
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 Fluency in a second language (in particular French, Portuguese, Spanish) is a strong positive.
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 </ul>
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Leveraged, Acquisition & TMT Finance Americas – Portfolio Management - Analyst

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