2026 Summer Internship Program - Commercial Banking (Credit Management)

TD Bank•Boston, NY

5h•$22 - $27•Onsite

About The Position

The AMCB Summer Intern supports their Line of Business in the development and execution of work projects to support the Business' goals & objectives. The Summer Intern embodies TD's Shared Commitments and customer-focused culture. Commercial Banking TD Commercial Banking helps commercial customers manage their funds, finance their growth, and invest for the future by taking the time to understand their goals and customize products and services to suit their needs. This includes everything from governments, institutions and businesses, ranging from small "mom and pop" stores to multi-billion-dollar corporations. This Commercial Banking Intern functions as a Credit Analyst Intern and is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Responsible for financial analysis of moderately complex loans/industries/Customers Works more independently but under the guidance and review of lead staff Good understanding of loan risk factors Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition Supports the lending function by providing analytical support Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos Monitors compliance with regulatory requirements Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk Achieves operational performance standards in quality and timeliness Commercial Banking is offering in-person internship opportunities in West Palm Beach, FL, New York City, NY, or Boston, MA. Interns will be required to be in-office 4 days a week. Depth & Scope: AMCB Summer Internship Experience TD Bank, America’s Most Convenient Bank ® , offers an Internship Program with an unparalleled experience – where you’ll gain valuable insight into our vision to Build The Better Bank, while also strengthening the core skills and knowledge you’ll need to launch a successful career. Our 10-week, non-rotational program consists of: A fun-filled, high-energy introduction to TD Bank, America’s Most Convenient Bank ® A variety of professional experiences and development training Extensive networking opportunities and interactions with senior leaders A dedicated support network, including a formal peer-mentoring program An active role in community service projects Opportunity to join our rotational analyst program upon graduation and participate in our 6 Week Innovation Challenge, VR experience and variety of learning & development opportunities.

Requirements

Pursuing post secondary degree in business- related disciplines
Knowledge of Microsoft tools (Outlook, Teams, Word, PowerPoint, Excel)
Excellent interpersonal skills, problem solving and analytical skills
Ability to take initiative and accountability of your actions
Demonstrated leadership qualities
Strong written and oral communications skills
Detail oriented with an ability to handle multiple tasks
Ability to work independently and collaboratively
You must be work authorized in the United States on a permanent basis without the need for employer sponsorship

Nice To Haves

Anticipated graduation between December 2026 - June 2027 preferred

Responsibilities

Responsible for financial analysis of moderately complex loans/industries/Customers
Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet
Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
Integral part of loan origination process.
Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
Supports the lending function by providing analytical support
Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
Monitors compliance with regulatory requirements
Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
Achieves operational performance standards in quality and timeliness

Benefits

Growth opportunities and skill development are defining features of the colleague experience at TD.
Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition.
Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

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