Merch Srvs Sr Credit Analyst

About the Role

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 role develops assessments and summaries by identifying key strengths and risks, reviewing historical operating performance, and recommending risk ratings. It performs quality underwriting for merchant services relationship requests and may analyze requests in specific industries that are complex in structure or of a large market nature.

Accountable for larger, more complex credits with higher approval limits, the Senior Credit Analyst approves merchant applications within established merchant credit policy and individual credit authority.

Responsibilities

• Analyze financial statements, management profiles, business/product cycles, and cash flow ability to assess credit risk, including in-depth historical operating performance.
• Develop assessment summaries by identifying key strengths and risks, recommending decisions, and assigning risk ratings.
• Independently discuss and recommend alternative structures, overall assessments, and outstanding requirements with merchant Sales Representatives.
• Perform quality underwriting for merchant application requests, including complex or large-market requests in specific industries.
• Approve and/or recommend accounts within established merchant credit policy and individual credit approval limits.
• Prepare analyses for designated merchant accounts, identifying deviations from policy and recommending processing or reserve changes to preserve profitability and reduce risk.
• Perform financial analysis on customer-provided or bank-generated projections, including "what-if" scenarios to test reasonableness.
• Collect and maintain industry data from external sources (e.g., borrower conversations, industry publications, payment card network information) to assist in risk assessment.
• Participate in and/or lead internal training activities for sales and customer service employees.
• Participate in special projects and perform additional duties as required (e.g., AML reporting).
• Represent TD at civic, professional, and bank-sponsored events; serve on non-profit boards and participate in professional organizations as opportunities arise.

Requirements

• 4-year degree or equivalent experience.
• 3-5 years of credit risk experience.
• Experience in credit and financial statement analysis.
• Highly motivated with a commitment to providing superior service.
• Strong communication, interpersonal, and analytical skills.
• Ability to work independently and as part of a team.
• Proven accuracy, organization, and ability to multi-task to meet service-level agreements (SLAs).
• Expert knowledge of Payment Card Network rules and regulations.

Physical Requirements

• Domestic Travel: Occasional (1-33%)
• International Travel: Never (0%)
• Performing sedentary work: Continuous (67-100%)
• Performing multiple tasks: Continuous (67-100%)
• Operating standard office equipment: Continuous (67-100%)
• Responding quickly to sounds: Occasional (1-33%)
• Sitting: Continuous (67-100%)
• Standing: Occasional (1-33%)
• Walking: Occasional (1-33%)
• Moving safely in confined spaces: Occasional (1-33%)
• Lifting/Carrying (under 25 lbs.): Occasional (1-33%)
• Lifting/Carrying (over 25 lbs.): Never (0%)
• Squatting: Occasional (1-33%)
• Bending: Occasional (1-33%)
• Kneeling/Crawling/Climbing: Never (0%)
• Reaching overhead: Never (0%)
• Reaching forward: Occasional (1-33%)
• Pushing/Pulling/Twisting: Never (0%)
• Concentrating for long periods: Continuous (67-100%)
• Applying common sense to standardized problems: Continuous (67-100%)
• Reading, writing, and comprehending instructions: Continuous (67-100%)
• Basic arithmetic (adding, subtracting, multiplying, dividing): Continuous (67-100%)

Pay

$61,880 - $92,560 USD per year. TD is committed to providing fair and equitable compensation opportunities. The base pay offered may vary based on skills, experience, job-related knowledge, geographic location, and other business and organizational needs.

Benefits

TD’s Total Rewards package includes:

• Base salary and variable compensation/incentive awards (e.g., cash and/or equity incentives).
• Health and well-being benefits.
• Savings and retirement programs.
• Paid time off (Vacation PTO, Flex PTO, and Holiday PTO).
• Banking benefits and discounts.
• Career development and reward/recognition programs.

Additional support includes regular development conversations, training programs, and a competitive benefits plan to help colleagues thrive at work and at home.