TD is a major North American bank serving individuals, businesses, and institutional clients through personal and business banking, insurance, wealth management, and securities services. Its broad operating model supports career opportunities across banking and finance, with roles spanning different regions and areas of expertise. TD also emphasizes sustainability, diversity, equity, inclusion, and community impact, shaping a workplace culture centered on care, respect, and employee growth.
Commercial Credit Analyst I, Middle Market – TD, New York Onsite
Analyze middle-market borrowers’ financial performance and credit risk at TD. Support underwriting, lending activities, and credit decisions through financial modeling and research.
Description
- Evaluate industries and financial results for current and prospective borrowers
- Build detailed three-statement financial projection models
- Support TD’s lending and credit teams
- Gather industry intelligence from borrowers, publications, libraries, banks, credit agencies, and online sources
- Attend customer meetings and request targeted customer information
- Assess borrower character, creditworthiness, and financial condition for underwriting
- Deliver analytical support to the lending team
- Draft approval memorandums for lending and credit authorities
- Review financial statements, management profiles, business and product cycles, cash flow capacity, collateral, and aging schedules
- Track trends, measure performance, evaluate financial strength, and prepare credit risk assessments
- Maintain credit files and track updated financial statements
- Produce refreshed credit analysis memorandums
- Monitor adherence to regulatory requirements
- Flag exceptions to the Company Commercial Loan Policy
- Develop familiarity with structures that can reduce credit risk
- Meet operational quality and timeliness standards
- Work under the guidance and oversight of lead staff
Requirements
- Four-year degree or equivalent experience
- At least one year of related experience preferred
- Basic understanding of credit and financial analysis methods
- Familiarity with three-statement financial projection modeling
- Strong written and verbal communication skills
- Well-developed analytical and research abilities
- Proficiency with personal computers, word-processing applications, and spreadsheet software
- Ability to meet established deadlines
- Ability to protect confidential credit and customer information
- Effective interpersonal skills and a collaborative team approach
- Ability to conduct basic financial analysis for less complex loans, industries, and customers
- Availability for occasional domestic travel
- Ability to perform sedentary work and remain seated continuously
- Ability to handle multiple tasks continuously
- Ability to use standard office equipment continuously
- Ability to read, write, and understand instructions
- Ability to perform basic addition, subtraction, multiplication, and division
- Ability to maintain concentration for extended periods
Benefits
- Health and wellness benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking products, benefits, and discounts
- Career development opportunities
- Recognition and rewards programs
- Regular career, development, and performance discussions
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions
- Variable compensation and incentive awards, including potential cash or equity awards
- Competitive benefits plan