Merch Srvs Sr Credit Analyst

Work Location: Lewiston, Maine, United States of America Hours: 40 Pay Details: $29.75 - $44.50 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: The Merchant Services Senior Credit Analyst analyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk including reviewing in-depth historical operating performance. This job develops assessment/summary by identifying key strengths and risks, reviewing historical operating performance, and recommending risk rating. It performs quality underwriting for merchant services relationship requests and may begin to analyze requests in a specific industry that are complex in structure, or of a large market nature. The Senior Credit Analyst approves merchant applications within established merchant credit policy and individual credit authority. Depth & Scope: Accountable for larger, more complex credits and have higher approval limits Analyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk including reviewing in-depth historical operating performance Develops assessment/summary by identifying key strengths and risks, recommending a decision and a risk rating Indepe