Credit analyst jobs in North Hempstead, NY - 237 jobs

A major financial institution in Stamford is seeking experienced professionals in Private Banking to manage client relationships, generate business results, and provide tailored financial advice. The ideal candidate has over six years of experience, a Bachelor's degree, and required licenses. The role offers competitive compensation, with potential for commission and a comprehensive benefits package, including health care coverage, retirement savings, and more. #J-18808-Ljbffr

A leading financial services firm is seeking a Private Banker to work within their U.S. Private Bank. The role involves advising clients on wealth management, generating new business, and ensuring exceptional client experience. Ideal candidates will have at least six years of experience in Private Banking, a Bachelor's degree, and a client-focused mindset. Strong sales acumen and understanding of investments are essential. This is an opportunity to work with a talented team and develop your career. #J-18808-Ljbffr

Our client is an established asset management firm in NYC. The firm is well-known and invests primarily in credit. The Attorney/Lawyer (Transactional Counsel) will work closely with the Investments and Legal team on a wide array of bespoke credit transactions. Role: Provide legal advice and drive execution on lending transactions in partnership with the Firm's investment professionals and external law firms. Advise on structuring, negotiation, and documentation of complex lending transactions and ensure that the documentation addresses key legal and business concerns. Quickly understand unique and diverse business models and commercially negotiate bespoke structures and legal solutions tailored to the Firm's borrowers and strategy. Provide legal guidance concerning commitment letters, term sheets, loans, amendments, waivers, term sheets, collateral packages, indentures, security documents, consents, and covenants review. Liaise with teams across the Firm, including Legal, Compliance, Operations, Finance, etc., to manage risk and policy compliance. Manage and work alongside outside counsel to facilitate superior structuring and transaction documentation. Requirements: 4+ years of experience (JD 2021+) professional experience in direct lending, on the lender's side, would be ideal. Must be currently in BigLaw or at a Credit Investment Firm. Strong attention to detail and the know-how behind transactions and the Fund's unique strategies. Superior Communication skills and interpersonal abilities JD from a Top Law School Admitted to Practice in the State of New York or eligible to waive in

Guggenheim Investments is seeking a Municipal Credit Analyst. The Municipal Credit Analyst is responsible for maintaining market coverage, conducting security and portfolio-level analysis, and sourcing and reviewing investments. This position is collaborative and may be cross-functional across credit sectors and portfolio management in response to market conditions. The employee is responsible for intermediating, aggregating, and disseminating market information to credit sector teams, portfolio managers, and senior investment professionals. The employee will report to the Senior Municipal Credit Analyst/Sector Lead. The position can be located in Santa Monica, CA or New York City, full-time.Responsibilities Key Responsibilities: Lead evaluation of specialized and complex investments utilizing all available sources of information including governing documents, published research, financial reports, news, rating agency reports, and market information Analyze new issue and secondary market taxable and tax-exempt municipal credits to create reports, analyses, and recommendations Create and maintain analytical models and tools that enhance credit research (e.g. sector-wide credit metric comparable, macro stress testing) In-depth work on the legal characteristics of security structure, such as mutability of cash flow waterfalls, enforceability of tax levies, legality of issuance authorization, substitutability of indentures Monitor portfolio holdings and municipal sectors for credit changes and material news and events Formulate and manage sector investment thesis and strategy and communicate firm-wide, incorporating the firm's macro views Provide the team leader with ongoing information about market sentiment, liquidity, volatility, and other market information about the sector Prioritize investment activities considering Portfolio needs, desk resources, and market risk/value. Create and maintain desk tools that improve investment process and efficiency (e.g., secondary offerings, trade reports, bi-weekly meeting data, credit review log) Create and institutionalize credit research reporting, credit memo templates, and ESG analysis framework Author the municipal sector team's Quarterly Outlook thought leadership piece Ensure adherence with firm policies and procedures with respect to investment underwriting, compliance, trading Direct surveillance, research, and project activities in conjunction with the Team Leader Develop project scope and set priorities for technology and research initiatives Assist in the creation and maintenance of marketing materials Qualifications Preferred Qualifications Advanced degree (MFE, MBA) or equivalent educational background are desirable 10+ years of experience on the buy side Strong credit, finance, economic, business, and technical skills Ability to multi-task across analytical, administrative, and research activities in a detail oriented and timely manner Team oriented individual with ability to work independently and work well with diverse groups in a market-paced environment Basic Qualifications BA/BS in a quantitative discipline to include finance, business, economics or accounting Minimum 6-9 years of experience in credit research and analysis (buy side) CFA or progress toward CFA is required Experience with industry standard tools and data products such as Bloomberg, BRS, Ipreo, TM3. Strong credit, finance, economic, business, and technical skills Advanced Excel skills are required. SQL, Python skills are desirable Strong written and verbal communication skills Strong commitment to performance and accuracy of work product Salary Range Annual base salary between $160,000.00-$175,000.00 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.

Apply now Work Type: Hybrid Working Employment Type: Permanent Job Description: Credit Analysis & Portfolio monitoring This position is responsible for credit initiation of new clients as well as periodic credit risk assessment of existing Global Corporate clients in the U.S. This would include timely drafting of credit analysis through Business Credit Applications (BCAs) as directed by the Head of Segment/Relationship Managers. Such analysis should be independent and in line with bank approved credit policies and processes and include the following: * Discuss overall exposure on the Client/Group, rationale for limits (including lending, trade, corporate finance and FX products), assess overall economic loss and determine business and risk approving authorities. * Assess the dynamics and nature of the Client's/Group's business and industry, including key risk aspects. * Conduct peer analysis and assess the Client's/Group's competitive positioning within its industry. * Assess management strength, experience and track record and corporate governance. * Articulate the Client's/Group's strategy and an assessment of its clarity and associated execution risks. * Assess funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity. * Prepare financial spreads and Internal scorecard to assign internal rating grade to the Client. * Assess balance sheet strength, alongside cash flow and profitability vulnerability, via trend and ratio analysis. * Assess other pertinent risk aspects and mitigating factors, including country risk, parental and/or governmental linkage/support, holding company risk, collateral evaluation, covenant structure and cushion analysis, relative ranking of indebtedness, structural and / or contractual subordination aspects etc. * Conduct leveraged lending assessment in line with U.S. regulatory requirement and support with base and stress case projections to assess repayment capacity over 7 years as well as Enterprise Valuation Analysis (EVA) for high-risk clients. Key Responsibilities * Support completion of mandatory checklists including Climate Risk Assessment, Environment & Social Risk Assessment and Reputational Risk assessment. * Complete Fraud Risk Assessment for all clients including assessment of red flags in the fraud risk report and trade counterparty assessment. * For FX limits, complete limit review and substantiation exercise in line with Financial Markets Appropriateness and Credit Term Sheet updates based on RM/Risk feedback. * The position is also responsible for the following portfolio credit monitoring activities: Completion of annual credit reviews of assigned accounts and re-assess key risks and re-evaluate internal credit grade. Ensure zero annual credit review overdues and minimize review extensions. * Identify client limits with low / nil utilization and escalate to the respective Relationship Manager for input / additional discussions with product partners and / or clients. * Prepare interim BCAs to increase / decrease limits, propose amendments/waivers, refresh financial analysis, update Credit Grade (when required), etc. * Support coverage team in structuring deals and present credit proposals in senior business and risk approval committees. * Monitor Covenants & Risk Triggers (C&RTs). Raise any breaches under (C&RTs) to Relationship Manager, and Credit. * Monitor and assess rating agencies actions including downgrades or outlook changes. * Perform credit stress testing on assigned names, when required. * Ensure compliance with all internal and regulatory credit / other portfolio related policies in conjunction with GAMs. Support senior Credit Analysts and GAMs in preparing and responding to internal / external audits and regulatory exams. Skills and Experience * Financial Statement Analysis * Corporate Credit risk * Financial Forecasting and modelling * Industry Knowledge * Relationship Management * Products & Processes Qualifications Key requirements * Analytical strength - to spot emerging risks, in particular forward-looking industry trends. * Gravitas - to engage with Relationship Managers and Clients alike, have the ability to challenge in a constructive manner. * Collaborative - to work in partnership with stakeholders to 'get things done,' fulfilling the Job Purpose Experience & Skills * Strong analytical ability, focused on the assessment and calibration of credit risk. * Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment. * Able to hold credible dialogue at all levels of the organisation, as well as with clients. * Well organized, able to multi-task and balance competing demands. Educational Qualifications * Graduates / Graduate calibre. * Sound knowledge of accounting and financial principles gained by experience or qualification. * MBA or CFA qualifications advantageous, but not required. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: * Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do * Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well * Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term Expected annual base pay range for the role is 170,000 USD to 210,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations Visit our careers website ****************** What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. * Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. * Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. * Flexible working options based around home and office locations, with flexible working patterns. * Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits * A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. * Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Apply now Information at a Glance * * * * *

Job Description Private Credit Analyst Department: Abacus Finance Reports To: Managing Director Employment Status: Full-Time, Exempt (Hybrid in office) Founded in 2011, Abacus Finance is a leading private credit fund, focused on senior debt financing to private equity-backed operating company investments. Since Abacus's inception, it has invested nearly $4 billion across 115+ platforms, and is currently managing ~$1.4BN across multiple vehicles. The firm targets private debt financing opportunities of up to $60 million and finances companies with EBITDA between $2 million and $15 million. The analyst will assist with structuring and executing senior debt financing transactions for lower-middle market sponsor led LBOs, acquisitions financings and recapitalizations. Key responsibilities include: Develop initial screening materials, draft term sheet proposals, perform extensive underwriting due diligence, prepare and seek formal loan approval and assist in closing of transactions Prepare comprehensive loan package including write-up of issuer and transaction financial analysis, industry and market trend analysis, financial modeling, and presentation of the potential investment to the investment committee Manage assigned portfolio investments to monitor account performance monitor/report on assigned portfolio and ensure compliance with covenants and other loan documents Create presentations for both internal and external use as well as other special strategy related projects that may arise Assist in external fundraising efforts, third party investor reporting, and ad-hoc requests Qualifications: Bachelor's degree Superior academic record and job performance 1-3 years professional experience in banking, private credit and/or private equity Formal credit training and experience working in small deal teams (2-3 deal team members) preferred but not required Excellent excel and modelling skills Strong written and verbal presentation skills Ability to work collaboratively and think independently Immediate hire Willingness to travel Compensation: Base pay of $135,000 - $145,000 plus annual bonus, profit sharing, pension plan, health benefits, ability to invest in future funds, and 401K. New York pay range$135,000-$145,000 USD

About The Role: Parker's mission is simple but ambitious: to increase the number of financially independent people. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling-empowering eCommerce merchants to grow faster while staying in control of their margins. We've raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). We're a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand. We're now scaling our credit operations and looking for a sharp, thoughtful, and experienced Credit Analyst Manager to help us evaluate business creditworthiness and support disciplined portfolio growth. As a Credit Analyst Manager at Parker, you'll lead and evolve Parker's underwriting operations. You'll own credit policy, streamline processes, and help us strike the right balance between risk and growth. If you're passionate about credit risk, data-driven decisioning, and enabling customers through smarter finance - this role is for you. What You'll Do: Lead the credit analyst team for new and existing applicants across Parker's corporate card and lending products. Refine and maintain credit policies, approval thresholds, and risk segmentation logic. Analyze financials, bank data, and alternative data sources to assess creditworthiness. Work closely with Risk, Data, and Product teams to improve automation and develop scoring models. Support Sales and Success teams with responsive, well-informed credit decisions. Monitor portfolio performance and adjust underwriting strategies accordingly. Help build a scalable, high-performing underwriting team over time. What We're Looking For: 10+ years of experience in underwriting, credit risk, or lending - ideally with SMBs, eCommerce, or card-based products Background in fintech, payments or embedded credit products Strong analytical mindset with experience evaluating financial statements and cash flow. Familiarity with underwriting automation tools and workflows Excellent communication skills and a collaborative, low-ego approach Experience in high-growth startups or fintech environments is a plus Nice to Have: Experience with transaction-level data underwriting (e.g. Plaid, Open Banking) Exposure to capital markets or structured finance Experience with tools like Plaid, Alloy, and Ocrolus Why Parker: Work with a high-caliber team that values ownership and transparency. Help shape foundational infrastructure at a fast-growing fintech startup. Competitive comp and meaningful equity

RWE Trading Americas Inc., New York To start as soon as possible, full time / part time, permanent Functional area: Regulation / Risk Management Your future plans RWE Trading Americas Inc. ("RWETA") is a dynamic energy trading company based in the heart of New York City. As an affiliate of RWE Supply & Trading GmbH, the globally active commercial hub of international renewable energy company RWE AG, RWETA boasts an extensive cross-commodity trading and origination mandate and access to world class energy trading infrastructure and expertise. With the America's being a core growth region for the RWE Group, RWETA has ambitious expansion plans and seeks highly motivated and experienced professionals to join the NYC-based team. Responsibilities * Managing a credit portfolio focusing primarily on energy (pipelines, utilities, oil/gas producers and IPPs) and trading companies headquartered in the Americas. * Proactively managing credit risks and minimizing credit losses while considering liquidity requirements of the RWE Group. * Ensuring appropriate negotiation of credit terms for the business being undertaken, with a sound working knowledge of different contracts including ISDAs with CSAs (inc First Liens) NAESB, and EEIs. * Preparing succinct and high-quality credit analysis reports, including risk/reward decisions. * Evaluation of transaction specific characteristics, based on exposure, tenor, collateral and deal structure vis a vis RWE policy. * Partnering with the Front Office to understand all risks and trading strategies. Actively challenge and debate assumptions and underlying risk to ensure timely and appropriate response to business requirements. Recommending innovative risk mitigation solutions, where appropriate. * Keeping abreast of current trends and market developments in areas of expertise. * Maintaining a consistent interface cross-functionally both within RWETA and globally across the wider RWE organization, including colleagues in Europe, Singapore and the US. * Understanding and adherence to RWE credit and finance policies, systems and processes. Your powerful skills Education * Bachelor's degree in business administration, finance or economics or similar business fields * Master's degree is a plus Experience * Minimum 7+ years in Credit Risk Management with high focus on quality counterparty analysis and deep understanding of liquidity-credit impact. Banking or international trading company experience is highly desirable. Skills * Solid understanding of the North American domestic energy markets (gas & power), both physical and financial, as well as the fundamental factors and economics that drive the markets * Sound knowledge of the methods of credit risk analysis, balance sheet analysis and cash flow analysis * Experience with special credit situations such as first lien or IPP counterparties * Good working knowledge of ISDAs, EEIs, NASBs and similar legal contracts for energy trading * Strong organization skills, able to meet tight deadlines and coordinate multiple tasks * Entrepreneurial thinking and sense of responsibility * Strong interpersonal skills with the ability to negotiate and manage conflicts * Ability to work independently and as part of a team Benefits you can rely on We offer an environment where working is meaningful, respected and supported. There are also a few things more that you will experience: * RWE Supply & Trading is a leading European energy trading company and top tier global employer. Our incredibly diverse and dedicated team of experts has been representing the RWE Group on the global wholesale markets for energy and energy-related raw materials and services for more than 20 years. Building on the continuous evolution of our European trading footprint, and the successful expansion of our local trading presence in the APAC region, we now have a strong confidence and commitment to succeed with our growth plans in North America; * We offer competitive terms of employment, excellent benefits, and an open and collaborative work environment. rwe.com/career Apply now with just a few clicks: ad code 91559 Any questions? Patrycja Bartela, ************************ (Recruiting) We look forward to meeting you! We value diversity and therefore welcome all applications, irrespective of gender, disability, nationality, ethnic and social background, religion and beliefs, age or sexual orientation and identity. #inclusionmatters Yes Nearest Major Market: Manhattan Nearest Secondary Market: New York City Job Segment: Credit Analyst, Risk Management, Supply, Credit, Finance, Operations

Profile: Primary activities will include, but not be limited to, research of potential investments across leverage finance (Broadly Syndicated Loans and High Yield bonds): Act as the credit research analyst responsible for credit investments in one or more sectors; Develop investment frameworks for relevant industries and the analysis of issuers; Provide fundamental credit research analysis of cash flow, credit metrics, financial performance, and comparative assessment of market value within sectors. Identify trends and changes in competitive positions within industries; Develop models for analysis, including sensitivity analyses to assess pro-forma and projected financial performance. Incorporate the firm's ESG framework in the analysis; Monitoring of news and industry developments in the credit markets. Responsibilities: Preference for a bachelor's degree in Finance, Accounting, Economics or Mathematics, or other relevant degrees. CFA or Masters degree is a plus 4+ years of prior experience in fundamental research and analysis in corporates Fundamental understanding of the syndicated loan and bond markets Comfortable reading and interpreting financial statements, credit agreements, related company documents Strong credit, finance, economic, business, and technical skills. Strong written and verbal communication skills Must be comfortable with Excel, Word, and PowerPoint. Bloomberg is a plus Fluent in English

A Major International Bank in Midtown Manhattan is seeking Associate- Portfolio Management - Credit Analyst in their HQ NYC office. Job Description The Associate will be responsible for analyzing financial statements and accounting data. S/He will handle formulating and implementing risk management techniques to control a variety of risk exposures, particularly in the areas of Credit risk. QualificationsWe are looking for someone with min 2-3 years of working experience. They should have a Bachelor's degree or above (Master's preferred) in Accounting, Finance or related fields. Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis required. Advanced Excel, Modeling, Data Manipulation skills required. Bilingual abilities in English and Mandarin are required. Additional Information All your information will be kept confidential according to EEO guidelines.

Credit Analyst Team: Convertibles Verition Fund Management LLC (“Verition”) is a multi-strategy, multi-manager hedge fund founded in 2008. Verition focuses on global investment strategies including Credit, Fixed Income & Macro, Convertible & Volatility Arbitrage, Event-Driven, Equity Long/Short & Capital Markets, and Quantitative Strategies. Role Summary: We are seeking a highly motivated and detail-oriented Credit Analyst to join a Convertibles team in Greenwich, CT. The ideal candidate will bring 3-10 years of dedicated credit experience, gained at a buy-side credit fund, hedge fund, private credit platform, or an investment bank leveraged finance group. This hire will support the portfolio manager and contribute to sourcing and active management of convertible bond investments. This role is designed for individuals with a strong academic background and a proven track record of excellence. Key Responsibilities: Conduct credit analysis for convertible issuers across all sectors and support the integration of credit insights into convertible strategies. Build and maintain detailed financial models, scenario analyses, capital structure reviews, and covenant analyses. Evaluate business quality, competitive positioning, management strength, and industry dynamics. Stay current on market trends, macroeconomic factors, and sector developments impacting the convertibles book. Track portfolio company performance, liquidity, covenant compliance, and upcoming catalysts. Monitor portfolio risk exposures and recommend adjustments where appropriate. Partner with trading, compliance, and operations teams to ensure seamless execution. Develop and refine an investment framework under the mentorship of the Portfolio Manager. Qualifications: 3-10 years of dedicated credit experience gained at a buy-side credit fund, hedge fund, private credit platform, or investment bank leveraged finance group. Strong academic background. Exceptional written and verbal communication skills. High level of intellectual curiosity, strong work ethic, and keen attention to detail. Ability to work effectively in a team-oriented, fast-paced, and dynamic environment.

Job DescriptionThis role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President 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 (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) 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, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. 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. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. 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. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. 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. 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. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** 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

Job Description Circet USA is the leading provider of Network Services in North America, and we're looking for talented professionals to join our team. We specialize in engineering and construction services delivering comprehensive solutions across Inside Plant, Outside Plant, and Wireless networks to meet the evolving infrastructure needs of our customers. With nearly 50 years of industry experience, we work with major telecom service providers, MSOs, cloud service providers, and utilities. At Circet USA, you'll have the opportunity to make an impact by helping to create customized solutions that address our clients' unique challenges. If you're passionate about innovation and thrive in a dynamic environment, we'd love to hear from you. Circet USA's benefits package includes the following: Medical, Dental, and Vision insurance Digital Health & Wellness Support Critical Illness, Accident, & Hospital Insurance Short-term & Long-term disability Group term & Voluntary life insurance Flexible Spending and Health Savings Accounts Paid Time Off & 401K Company Discount Website Responsibilities We are seeking a highly skilled and experienced Credit Analyst to fulfill a staff augmentation role with Circet USA's customer. The position's primary functions include but are not limited to performing detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. For accounts that do not qualify for an open line of credit, the role will require collaboration with team leads to discuss the possibility of alternative hedging (Letter of Credit, Flooring, Factoring, PUT Contracts, etc.). The position holder will be responsible for continuous monitoring of their account portfolio insuring that credit limits are sufficient and alerting team leads as to financial downturns and, with guidance, potentially suggesting credit actions or other risk mitigating solutions. The position will also be responsible for the initial risk analysis and set up of new accounts working with various external teams to ensure appropriate documents are collected and accurate. ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned: Manage the commercial credit risk for an assigned portfolio of accounts applying credit practices and procedures (portfolio will typically contain lower risk accounts with modest credit limits) Perform detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. Plans and schedules credit review and risk analysis for assigned portfolio of accounts Uses credit risk analysis skills and business acumen along with available risk assessment tools and third party data to analyze new account requests for open lines of credit as assigned; interfaces with team leads for guidance when encountering unique credit situations during this process Obtain all necessary information to properly risk assess including assigning a risk category from our Financial Health Indicator, perform robust financial review and submission through appropriate channels for activation of credit line and assignment of account number in SAP Reviews and analyzes assembled reports, scorecard data, financial statements and supplementary information such as bank and trade references as well as payment history data to arrive at sound financial decisions intended to support sales while protecting assets Recommends individual credit lines or, for unqualified accounts, works with team leads to assess the viability of other hedging options, or courses of action and again with guidance from team leads facilitates the implementation of credit line or other approved solution for challenging risks Personally handles non routine credit inquires and correspondence as it relates to their portfolio involving team leads for guidance to potential challenges based on those inquiries Defers team leads for advice on particularly complex problems and cases requiring interpretation of policy decision Monitors monthly lines of credit for customers in assigned portfolio of accounts to ensure that balances are within approved limits Assist team leads or Sr. Analysts in support, when requested, to the following: Service Division, Content & Services, Harmon, Dacor, Neurologica, etc. in all aspects of risk assessment of Accounts Receivable and also provide assistance with regard to credit processes and risk mitigation tools and services as well as hedging options. This could include reports from third party services or just general procedure and practices along with requests for standard templates or forms and overall credit opinions. In the Company of team leads may be asked to represent the Company at creditors' meetings trade shows bankruptcy proceedings or other related events Prepare and submit departmental reports from simple inter-department reports, to more complex companywide reports.(may include but not limited to) Quarterly report, Monthly report, Watch list report, Z-Credit AR Forecast report, any ad-hoc reporting that may be required, etc. Will be required to be part of customer visits as needed to obtain financials or assess overall business operations and status of assigned accounts (team leads will accompany as necessary) Qualifications Bachelor's degree with focus on accounting or finance. Proficient in Windows, Excel, Word, PowerPoint. Understanding the business and market trends which impact our accounts. Strong analytical skills, the ability to analyze and also interpret the meanings in written and verbal form. Approximately 3-5 years commercial credit experience performing complex financial statement analysis, as well as handling spreadsheets and reporting tools used to conduct successful analysis. An understanding of risk/reward analysis and credit mitigation documents. Familiar with SA Strong Financial Analysis and risk assessment skills Understanding of insurance and various other hedging options Solid communication and negotiation skills Considers a wide range of alternatives prior to making a decision Takes initiative as problems & opportunities arise; seizing opportunities early Effectively recognizes emergencies & crisis's and brings them to attention of team leads Actively develops a climate of teamwork & cooperation when working with peers Ability to communicate with people at different organizational levels Follows up on tasks & assignments to ensure successful completion on assigned dates Circet USA is an Equal Opportunity Employer - Veteran/Disabled. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status or other characteristics protected by law.

The Bank of Princeton has exciting career opportunities! Our goal to hire and retain talented people with engaging personalities and strong work ethics. We believe in recognizing and rewarding employees who consistently perform at a high level. As a Bank, we believe in investing in the right places. Especially when it comes to our employees. Our assets are our people. The Bank of Princeton has programs to help our employees grow in the community we serve. If you are a creative thinker interested in career growth, development and exceeding customer expectations, I am looking for you. We are always seeking top talent in Credit Administration as a Credit Analyst/Underwriter. The ideal candidate should have three or more years of experience in Commercial Lending preparing full and complete underwriting packages for commercial real estate and business loan requests, including but not limited to credit, financial, risk and market analysis. Must be able to analyze personal financial statement, corporate financial statements, federal tax returns, and other financial reports as required by specific loan request. Compensation includes a base salary commensurate with experience, excellent benefits including 401K, healthcare and a host of others. The Bank is expanding not only in New Jersey, New York and in Philadelphia and is one of the fastest growing institutions in New Jersey. It is noted as one of the top 50 fastest growing companies in NJ. The Bank of Princeton is an Equal Employment Opportunity/Affirmative Action Employer - Minorities/Females/Protected Veterans/Disabled/Sexual Orientation.

Full-time Description About Us Bogota Savings Bank has been a community-anchored financial institution since 1893. Originally established as Bogota Savings and Loan, we converted to a State Mutual Savings Bank in 1996 and later merged with Gibraltar Bank in 2021, expanding our footprint into Essex and Morris counties. We believe banking should be personal, local, and reliable. Our mission is to provide excellent customer service, affordable and efficient banking solutions, and superior product offerings to our customers across New Jersey. Whether it's through our full-service branches, surcharge-free ATM network, or modern digital banking tools, we serve our communities with integrity, care, and responsiveness. About the Role As a Credit Analyst, you will play a critical role in supporting the Lending team by analyzing financial data, loan documentation, and risk profiles of current and prospective borrowers. Reporting to the Chief Lending Officer, you will ensure that credit decisions are informed, compliant, and aligned with the Bank's standards. This role provides an opportunity to interact with commercial real estate clients as a secondary point of contact, contributing directly to sound lending practices and strong client relationships. Requirements Key Responsibilities Gather, analyze, and interpret credit information, leases, real estate appraisals, and investigative reports to assess creditworthiness of borrowers. Prepare comprehensive credit analysis packages and loan requests for review by the Internal Loan Committee. Review and monitor Commercial Real Estate Loan documentation at inception and throughout the loan lifecycle, including annual reviews. Assign and update credit risk ratings, ensuring timely tracking of reports, appraisals, and financial statements. Draft correspondence with clients to request financial information and support loan processing. Enter loan details into departmental systems, preparing recommendations for term sheets and loan offerings. Maintain compliance with all lending policies, regulatory requirements, and the Bank Secrecy Act/CIP procedures. About the Candidate You are detail-oriented, analytical, and highly organized. You enjoy working with financial data and take pride in accuracy and thoroughness. You balance technical expertise with strong communication skills, building trust with colleagues and clients alike. You thrive in a structured environment, adhering to regulatory standards while contributing to a client-focused lending process. Knowledge, Skills and Experience Associate's degree or equivalent; bachelor's degree in finance, accounting, or related field preferred. Minimum of 2 years of banking experience with formal credit training. Strong knowledge of Microsoft Excel and Word; familiarity with lending software systems preferred. Excellent written and verbal communication skills. Ability to interpret financial statements, credit reports, and appraisal documentation. Strong organizational and time management skills with attention to detail. Core Competencies Manages Complexity - You make sense of complex and sometimes contradictory information, applying structured analysis to support sound credit decisions. Financial Acumen - You use financial data and indicators to inform lending recommendations and ensure alignment with business goals. Customer Focus - You build and maintain strong client relationships while delivering solutions that meet client and organizational needs. Ensures Accountability - You take ownership of your work, ensuring accuracy, compliance, and timely completion of credit analyses. Collaborates - You work effectively across teams, supporting colleagues and contributing to shared success. Salary Description $40,000 - $70,000 Depending On Experience

New York, New York, United States of America **Hours:** 40 **Pay Details:** $120,000 - $198,000 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. **Line of Business:** Personal & Commercial Banking **Job Description:** **Department Overview:** The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors. The above details are specific to the role which is outlined in the general description below. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. **Depth & Scope:** + Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios + Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines + Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines + Attends site visits and prospect/customer calls as needed or as requested + With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews + Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives + Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions + Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines + Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures + Interprets and applies TDs risk management strategy (both credit and operational) + Understands changing market conditions and remain knowledgeable of relevant industry issues + Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities **Education & Experience:** + 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered + 7+ years' experience in related field + Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding + Superior ability to identify and mitigate risk + Ability to provide value-add structuring alternatives for highly complex credits + Strong written and excellent verbal communication skills with solid business acumen + Solid interpersonal skills + Customer focused + Strong planning and organizational skills + Ability to problem solve in more complex situations + Technologically proficient **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous 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. **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 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** 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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

A leading financial services firm located in Greenwich, Connecticut is seeking a Private Banker to provide holistic wealth management solutions. The ideal candidate will have over six years of experience in private banking and a strong network to acquire new clients. Responsibilities include managing client relationships and offering tailored investment advice. Applicants must hold a Bachelor's Degree and relevant licenses, with a focus on a superior client experience. #J-18808-Ljbffr

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 role is for Assistant Vice President 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 (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) 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, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. 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. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. 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. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. 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. 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. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** 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

Hours: 40 Pay Details: $120,000 - $198,000 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. Line of Business: Personal & Commercial Banking Job Description: Department Overview: The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors. The above details are specific to the role which is outlined in the general description below. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Depth & Scope: * Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios * Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines * Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines * Attends site visits and prospect/customer calls as needed or as requested * With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews * Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives * Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions * Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines * Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures * Interprets and applies TDs risk management strategy (both credit and operational) * Understands changing market conditions and remain knowledgeable of relevant industry issues * Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities Education & Experience: * 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered * 7+ years' experience in related field * Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding * Superior ability to identify and mitigate risk * Ability to provide value-add structuring alternatives for highly complex credits * Strong written and excellent verbal communication skills with solid business acumen * Solid interpersonal skills * Customer focused * Strong planning and organizational skills * Ability to problem solve in more complex situations * Technologically proficient Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Occasional * Bending - Occasional * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Occasional * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous 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. 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 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 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 ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.