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TD Launches Credit Assist, Turning Days of Commercial Credit Work into Minutes

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TD Launches Credit Assist, Turning Days of Commercial Credit Work into Minutes

TD Bank U.S. unveiled TD Credit Assist, an AI capability that reduces the time required to prepare a first-draft commercial credit analysis from up to three working days to less than 30 minutes. Credit Assist brings together information from complex documents to create a structured, cited draft of six key credit memo sections for review and underwriting by TD’s more than 300 credit professionals who prepare more than 10,000 credit memos annually. By reducing the administrative work involved in preparing a first draft, Credit Assist gives credit professionals more time to understand each client’s business, assess risk and engage with clients throughout the credit review.

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Unveiled at the 2026 Evident AI Symposium in New York, Credit Assist demonstrates how TD is moving AI from experimentation into practical applications with measurable business value. The launch follows TD’s three-place rise to No. 10 in the 2026 Evident AI Index, which evaluates the AI maturity of 50 of the world’s largest banks.

A single credit review can involve 20 to 30 deal documents spanning more than 50 document types. Credit Assist uses an orchestration layer to coordinate specialized AI agents to process, extract, analyze and organize the information and develop multiple sections with a cited narrative in parallel, with each section undergoing its own process of analysis, review and refinement. Instead of beginning with a blank page, credit professionals receive a cited draft they can question, verify and refine.



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