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TD

Senior Credit Analyst

TD

Merchant Services Senior Credit Analyst at TD analyzing financial statements, management profiles, and credit risk assessment. Handling larger credits with higher approval limits and underwriting merchant application requests.

Posted 7/30/2026full-timeLewiston • Maine, New Jersey • 🇺🇸 United StatesSenior💰 $30 - $45 per hourWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in credit risk assessment and financial statement analysis, with a strong focus on providing superior service and exercising sound judgment in decision-making. Proficient in underwriting processes and compliance with Payment Card Network regulations.

Highest-signal resume keywords
Credit Risk AssessmentFinancial Statement AnalysisUnderwriting ProcessesPayment Card Network RegulationsAnalytical Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
Credit Risk ExperienceFinancial Statement AnalysisQuality UnderwritingRisk Rating DevelopmentDecision-MakingAnalytical Skills
Soft Skills
Strong Communication SkillsInterpersonal SkillsAbility to Work IndependentlyTeam CollaborationOrganizational Skills
Industry Keywords
Merchant Credit PolicyCash Flow AnalysisProfitability PreservationCredit Approval Limit AuthorityMerchant Application Requests

About the role

Key responsibilities & impact
  • Analyzes financial statements, management profiles, business/product cycles, and cash flow ability to develop an assessment of credit risk
  • Develops assessment/summary by identifying key strengths and risks, recommending a decision and a risk rating
  • Independently discusses and recommends alternative structures, overall assessments, and any outstanding requirements with merchant Sales Reps
  • Performs quality underwriting for merchant application requests
  • Approves and/or recommends accounts within established merchant credit policy and individual credit approval limit authority
  • Prepares analyses for designated merchant accounts that includes identifying any deviations from the merchant policy, recommending processing or reserve changes in order to preserve profitability, reduce credit risk and merchant exposure
  • Participates in special projects and performs additional duties as required

Requirements

What you’ll need
  • 4 Year Degree or equivalent
  • 3-5 Years of credit risk experience
  • Credit and Financial statement analysis experience
  • Highly motivated and committed to providing superior service
  • Strong communication skills, interpersonal skills and the ability to work independently and as part of a team are essential
  • Requires superior analytical skills and the ability to exercise sound judgment to make decisions
  • Proven accuracy, well organized and able to multi-task to meet SLAs
  • Expert knowledge of practices and procedures as related to Payment Card Network rules and regulations

Benefits

Comp & perks
  • Health and well-being benefits
  • Savings and retirement programs
  • Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
  • Banking benefits and discounts
  • Career development
  • Reward and recognition