Retail Credit Analyst

TD Bank Group Farmington Hills , MI 48336

Posted 2 days ago

Company Overview

About TD Bank, America's Most Convenient Bank

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit

Department Overview

The Retail Credit Analyst analyzes consumer retail applications following and adhering to the procedures and policies set-forth by the company in a consistent and repeatable manner. The Analyst is evaluated on performance metrics to acquire business to generate profit for the organization while ensuring compliance to mitigate risk. This job will provide excellent customer service while effectively communicating credit decisions to clients to support company's competitive advantage.

Job Description

  • Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 C's of credit and then educate and communicate decisions to appropriate dealers and business clients

  • Performs detailed verification and documentation for all applications that meet the approval criteria

  • Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix

  • Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management

  • Executes client level strategies as outlined by management

  • Assists clients and the funding department in any contract problems and funding issues that may occur

  • Engages in appropriate credit training, personnel development and coaching exercises as designated by management


Must be eligible for employment under regulatory standards applicable to the position.

  • Bachelor's degree or 2 yrs automotive finance experience required

  • Proven ability to review and interpret credit reports preferred

  • Thorough understanding of Federal and State legislation affecting the finance and insurance business preferred

Complete knowledge of Credit Policy and applicable processes and procedures relating to risk and consumer credit operations preferred



At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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Retail Credit Analyst

TD Bank Group