Commercial Credit Analyst I, Middle Market
TD
New York, NY1 yrs10h agovia LinkedIn
This job at a glance
- Who can apply
- 1 year+ of experience
- Must know
- Excel
- Nice to have
- Financial analysis
- Work
- On-site in New York
- Pay
- Not stated by the employer.
- Skill demand
- Excel66%Financial analysis41%of 44 similar entry-level jobs posted in the US this week
- Listed
- Nov 9, 2026 · still open
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About the Role
TD's Middle Market Credit Management Group manages credit relationships for borrowers with revenues from $250 million to $2 billion+.
Key Responsibilities
- Conduct in-depth industry and financial analysis of existing and potential borrowers.
- Perform basic financial analysis of less complex loans/industries/Customers.
- Research industry-specific information from outside sources, including borrower conversations, industry publications, libraries, references from other banks, credit agencies, and the internet.
- Participate in Customer meetings to gather specific information based on prior research and knowledge.
- Perform underwriting analysis of Borrower's character, credit worthiness, and financial condition as an integral part of the loan origination process.
- Support the lending function by providing analytical support.
- Prepare approval memorandums for presentation to appropriate lending and credit authorities.
- Analyze financial statements, management profiles, business and product cycles, cash flow ability, collateral, and agings of future and existing Customers to identify trends, measure performance, assess financial strength, and develop an assessment of credit risk.
- Maintain credit files and monitor data such as updated financial statements.
- Prepare updated analysis memos.
- Monitor compliance with regulatory requirements.
- Provide written analysis identifying deviations from the Company Commercial Loan Policy.
- Become familiar with alternative structures to reduce credit risk.
- Achieve operational performance standards in quality and timeliness.
- Prepare sophisticated 3-statement financial projection models.
Requirements & Tech Stack
- Familiarity with 3 statement financial projection modelling.
- PC skills including proficiency and capability in word processing and spreadsheet software.
Qualifications
- A 4 year degree or equivalent experience.
- 1+ years related experience preferred.
- Basic knowledge of credit and financial analysis techniques.
- Strong oral and written communication skills.
- Strong analytical and research skills.
- Ability to meet deadlines.
- Ability to maintain the confidentiality of credit and Customer information.
- Good interpersonal skills and team orientation.
- A growth mindset.