E-3 Visa Credit Analyst Jobs
Credit Analyst roles qualify for E-3 visa sponsorship as specialty occupations requiring a bachelor's degree in finance, accounting, or economics. Australian professionals can secure two-year work authorization with no lottery and indefinite renewals, making this one of the most practical paths into U.S. banking and financial services.
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Get Access To All JobsWork Location:
New York, New York, United States of America
Hours:
40
Pay Details:
$40.19 - $60.28 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Credit Management
Job Description:
Department Overview:
TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The team is responsible for underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite, working closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships.
The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. The Credit Analyst III, Middle Market works cooperatively to support the Lending and Credit functions of the Bank.
Depth & Scope:
- Responsible for complex Middle Market loans/industries/Customers
- Works independently
- Strong understanding of loan risk factors
- May train/mentor/coach junior analysts
- 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
- Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
- Maintains credit files, monitors data such as updated financial statements and prepares 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
Education & Experience:
- 4 year degree or equivalent experience
- 3+ years related experience required
- Demonstrates knowledge of credit and financial analysis techniques
- Strong understanding of loan risk factors
- Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
- Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
- Effective time management skills
- Excellent written and oral communication skills
- Well-developed research and analytical skills
- Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions
- Develops PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
- Demonstrates ability to maintain the confidentiality of credit and Customer information
- Excellent interpersonal skills and a team orientation
- Ability to coach, train and lead junior staff in credit and financial analysis techniques
Preferred Qualifications:
- 1+ years in leveraged finance or sponsored backed credit underwriting is preferred
Customer Accountabilities:
- Understands and supports the Bank's Customer Service Strategy
- Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
- Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
- Models quality service delivery at every interaction
- Leads and contributes to the ongoing improvement of the partner/Customer experience
Shareholder Accountabilities:
- Participates in civic activities to promote growth and development of the community and a positive image for TD
- Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives
- Participates in establishing and executing plans and goals for the Business to drive toward results
- Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies
- Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD’s scale and operating model
- Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization
- Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite
- Successfully completes all required job specific, compliance-related training; understands, utilizes and follows Compliance/Risk and control programs; consult with all risk functions in the development and documentation of policies, procedures and controls, for all department processes
- Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans
Employee/Team Accountabilities:
- Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda, and create an extraordinary employee experience
- Participates fully as a member of the team and contribute to a positive work environment
- May provide leadership, training, and guidance to other team members
- Ensures ongoing communication with the team on the status/progress of projects and issues/points of interest
- Actively shares information and knowledge, and proactively learn from the expertise of others
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel – Occasional
- International Travel – Never
- Performing sedentary work – Continuous
- Performing multiple tasks – Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds – Occasional
- Sitting – Continuous
- Standing – Occasional
- Walking – Occasional
- Moving safely in confined spaces – Occasional
- Lifting/Carrying (under 25 lbs.) – Occasional
- Lifting/Carrying (over 25 lbs.) – Never
- Squatting – Occasional
- Bending – Occasional
- Kneeling – Never
- Crawling – Never
- Climbing – Never
- Reaching overhead – Never
- Reaching forward – Occasional
- Pushing – Never
- Pulling – Never
- Twisting – Never
- Concentrating for long periods of time – Continuous
- Applying common sense to deal with problems involving standardized situations – Continuous
- Reading, writing and comprehending instructions – Continuous
- Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered "essential functions" for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. 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.
Additional Information:
We’re delighted that you’re considering building a career with TD. 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.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. 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.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Work Location:
New York, New York, United States of America
Hours:
40
Pay Details:
$40.19 - $60.28 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Credit Management
Job Description:
Department Overview:
TD's Middle Market Sponsor Finance Group is responsible for managing credit relationships with borrowers owned by private equity firms and family offices. The team is responsible for underwriting and documenting new transactions as well as managing existing portfolio accounts within TD's credit risk policy and adhering to TD's risk appetite, working closely with Relationship Management and Credit Risk Management to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings (PD) and Facility Risk Ratings (LGD) for new and existing credit relationships.
The Credit Analyst III, Middle Market is responsible for conducting in-depth industry and financial analysis of existing and potential Middle Market borrowers. The Credit Analyst III, Middle Market works cooperatively to support the Lending and Credit functions of the Bank.
Depth & Scope:
- Responsible for complex Middle Market loans/industries/Customers
- Works independently
- Strong understanding of loan risk factors
- May train/mentor/coach junior analysts
- 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
- Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
- Maintains credit files, monitors data such as updated financial statements and prepares 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
Education & Experience:
- 4 year degree or equivalent experience
- 3+ years related experience required
- Demonstrates knowledge of credit and financial analysis techniques
- Strong understanding of loan risk factors
- Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships
- Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly
- Effective time management skills
- Excellent written and oral communication skills
- Well-developed research and analytical skills
- Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions
- Develops PC skills including demonstrated proficiency and capability in word processing and spreadsheet software
- Demonstrates ability to maintain the confidentiality of credit and Customer information
- Excellent interpersonal skills and a team orientation
- Ability to coach, train and lead junior staff in credit and financial analysis techniques
Preferred Qualifications:
- 1+ years in leveraged finance or sponsored backed credit underwriting is preferred
Customer Accountabilities:
- Understands and supports the Bank's Customer Service Strategy
- Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
- Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
- Models quality service delivery at every interaction
- Leads and contributes to the ongoing improvement of the partner/Customer experience
Shareholder Accountabilities:
- Participates in civic activities to promote growth and development of the community and a positive image for TD
- Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives
- Participates in establishing and executing plans and goals for the Business to drive toward results
- Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies
- Delivers business services, functions and capabilities that optimize the use of process, technology and our people, and take advantage of TD’s scale and operating model
- Collaborates to ensure TD is a best run, integrated, customer-focused, growth organization
- Ensures processes, policies and procedures are designed in compliance with TD Risk Appetite
- Successfully completes all required job specific, compliance-related training; understands, utilizes and follows Compliance/Risk and control programs; consult with all risk functions in the development and documentation of policies, procedures and controls, for all department processes
- Ensures ongoing compliance with internal / external audit and regulatory requirements; provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings; maintains appropriate records of action plans
Employee/Team Accountabilities:
- Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda, and create an extraordinary employee experience
- Participates fully as a member of the team and contribute to a positive work environment
- May provide leadership, training, and guidance to other team members
- Ensures ongoing communication with the team on the status/progress of projects and issues/points of interest
- Actively shares information and knowledge, and proactively learn from the expertise of others
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel – Occasional
- International Travel – Never
- Performing sedentary work – Continuous
- Performing multiple tasks – Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds – Occasional
- Sitting – Continuous
- Standing – Occasional
- Walking – Occasional
- Moving safely in confined spaces – Occasional
- Lifting/Carrying (under 25 lbs.) – Occasional
- Lifting/Carrying (over 25 lbs.) – Never
- Squatting – Occasional
- Bending – Occasional
- Kneeling – Never
- Crawling – Never
- Climbing – Never
- Reaching overhead – Never
- Reaching forward – Occasional
- Pushing – Never
- Pulling – Never
- Twisting – Never
- Concentrating for long periods of time – Continuous
- Applying common sense to deal with problems involving standardized situations – Continuous
- Reading, writing and comprehending instructions – Continuous
- Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered "essential functions" for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. 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.
Additional Information:
We’re delighted that you’re considering building a career with TD. 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.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. 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.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
See all 153+ Credit Analyst jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Analyst roles.
Get Access To All JobsTips for Finding E-3 Visa Sponsorship as a Credit Analyst
Frame your Australian credentials for U.S. employers
A three-year Australian bachelor's degree in finance or accounting is accepted as equivalent to a U.S. four-year degree for E-3 purposes. Attach a credential evaluation letter to your application to preempt any skepticism from hiring managers unfamiliar with the Australian system.
Target banks with established LCA filing history
Large commercial banks, credit unions, and asset managers file Labor Condition Applications regularly and have HR teams that understand E-3 mechanics. Roles in corporate credit, commercial lending, and structured finance departments at these institutions are your strongest entry points.
Use Migrate Mate to identify and apply strategically
Migrate Mate lets you search Credit Analyst roles filtered by E-3 sponsorship history, so you're not wasting applications on employers who have never sponsored an Australian professional before.
Confirm your offer letter specifies degree requirements
The DOL LCA and your visa application both require the role to be classified as a specialty occupation. Your offer letter should state that a bachelor's degree in a directly related field is a minimum requirement, not merely preferred, to satisfy this standard.
File your LCA early to protect your start date
The DOL certifies most LCAs within seven business days, but your employer needs that certification before submitting your visa paperwork. Use Migrate Mate's E-3 filing service to handle your LCA and visa paperwork so delays don't push back your consulate appointment.
Credit Analyst jobs are hiring across the US. Find yours.
Find Credit Analyst JobsCredit Analyst E-3 Visa: Frequently Asked Questions
How do I find Credit Analyst jobs with E-3 visa sponsorship?
Migrate Mate is the recommended starting point, as it surfaces Credit Analyst roles specifically filtered by E-3 sponsorship history. Beyond the platform, focus on commercial banks, regional lenders, and financial services firms that have filed Labor Condition Applications before. Employers with existing LCA infrastructure move faster and are less likely to withdraw an offer once they understand the process.
How much does it cost to get an E-3 visa?
Migrate Mate's E-3 filing service covers the entire process for $499, including the Labor Condition Application, visa document preparation, and consulate appointment guidance. Traditional immigration lawyers charge $2,000–$5,000+ for the same work. The E-3 has less paperwork than most work visas, so paying thousands for legal help is usually unnecessary.
Does a Credit Analyst role qualify as a specialty occupation for the E-3?
Yes. Credit Analyst positions consistently qualify because they require a bachelor's degree in finance, accounting, economics, or a closely related field as a minimum. The DOL and USCIS treat financial analysis as a specialty occupation when the role involves applying theoretical and practical knowledge of these disciplines. Roles titled 'Credit Associate' or 'Credit Risk Analyst' at major institutions carry the same qualification logic.
How does the E-3 compare to the H-1B for Credit Analyst roles?
The E-3 is substantially simpler for Credit Analysts. There is no lottery, the 10,500 annual cap has never been reached, and processing runs through the consulate in Australia rather than USCIS adjudication. H-1B petitions face a roughly 25% selection rate in the lottery, meaning most applicants are rejected before their qualifications are even reviewed. For an Australian professional with a qualifying degree, the E-3 removes that uncertainty entirely.
Can I switch Credit Analyst employers on an E-3 visa?
Yes, but the process restarts from the beginning with each new employer. Your new employer files a fresh LCA with the DOL and you obtain a new visa stamp at an Australian consulate. There is no portability provision like the one available under AC21 for H-1B holders. If your current visa is still valid, you can begin working for the new employer once their LCA is certified and a new DS-160 is submitted.
See which Credit Analyst employers are hiring and sponsoring visas right now.
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