Great Opportunity for an Experienced Sr. Credit Analyst

America’s Most Convenient Bank! Commerce Bank’s customer focused Retail Banking experience is like no other and people are talking about us. About our explosive GROWTH, our COMMITMENT to our Customers and our PASSION to keep moving forward. As America’s Most Convenient Bank, Commerce definitely knows how to please our Customers. Every time they walk in our doors, they get the ultimate banking experience. Commerce Bank, is a leading retailer of financial services with 470+ convenient stores in New Jersey, New York, Connecticut, Pennsylvania, Delaware, Washington, D.C., Virginia, Maryland and Florida.  Following TD Bank Financial Group's acquisition of Commerce Bancorp Inc. on March 31, 2008, it was announced that operations of TD Banknorth and Commerce Bank will be combined under the brand name TD Bank, America's Most Convenient Bank®. Today, TD Banknorth and Commerce Bank form one of the 20 largest commercial banking organizations in the United States with over $109 billion in assets, and provide customers with a full range of financial products and services at nearly 1,100 convenient locations from Maine to Florida.  SR. CREDIT ANALYSTPHILADELPHIA, PA  This position is responsible for supporting the lending activities within a region or market by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows. Interacts with: regional vice presidents, account managers, relationship managers, credit officers and other lending support staff. Primary Responsibilities: Integral part of the loan origination process. Responsible for performing underwriting analysis of borrower's character, credit worthiness, and financial condition. Support lending function by providing analytical support to regional lending teams. Analyzes financial statements and related material to prepare written credit analysis of individual borrowers. Prepares or assists in the preparation of approval memorandums for presentation to appropriate lending and credit authorities. Conduct and present industry research. Interact with customers, accountants and attorneys at direction of relationship manager to perform analysis. Investigate all available sources of credit and financial information, including reporting services, credit bureaus, and agencies. Specific portfolio analysis at direction of section manager or credit officer. Support for account managers for existing borrowers’ activities, e.g. UAMS, assisting with call preparation and reporting. Ensures that all credit files include current financial statements, agency reports, call reports, UAMs, investigations, etc. are organized and up to date. When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage. Requirements: Bachelor's degree (degree in accounting, real estate or finance preferred) Completion of a formal Commercial Credit training program preferred 2 – 4 years  experience in commercial credit/risk management Experience with credit and financial statement analysis Strong verbal and written communication skills to interact effectively with all levels of staff and customers Strong organizational skills to handle multiple tasks in a fast-paced environment Excellent customer service, interpersonal, and organizational skills Proficiency in Microsoft Word, Excel, PowerPoint, and Access  To apply for this position please visit www.commerceonline.com, click JOIN OUR TEAM and complete an online application. Sr. Credit Analyst opportunity can be found listed under the LENDING  Job Category.   EOE, m/f/d/v. Drug testing and background check required. Commerce Bank and TD Bank North are trade names of TD Bank, N.A. Commerce Bank is a trade name of TD Bank, N.A.