M&T Bank
Finance
CommercialCreditAnalyst
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Commercial Credit Analyst at M&T Bank. Skills: underwriting, credit analysis, credit risk management, loan portfolio management. performing supporting analysis. identifying risk issues”
What You'll Achieve.
timely identification of emerging credit risk; minimize losses; assign an accurate risk rating; maintain timely and accurate risk ratings; Ensure the accurate completion of the Bank's risk rating scorecards and financial statement spreads; make credit decisions for new or renewed or amended credit transactions
Industry & Context.
Critical thinking and problem-solving abilities; identifying risk issues; timely identification of emerging credit risk; Determine the need for more thorough investigation or additional information; Analyze financial information and related materials; Make appropriate structure recommendations based on an analysis and evaluation of scenarios
What They're Looking For.
Must Have
one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, verbal and written communication skills, analytical ability, Critical thinking and problem-solving abilities, Attention to detail with a high level of accuracy, organizational and time management skills, Ability to work independently and as a part of a team, Customer focused with interpersonal skills, Proficiency with Microsoft Office
Nice to Have
Experience with Capital IQ, FactSet, and Bloomberg
What You'll Do.
performing supporting analysis
identifying risk issues
completing sections of credit analysis
assessing the creditworthiness of commercial clients
analyzing new requests and material modifications
recommending adding or removing conditions
managing the ongoing credit risk of existing loan portfolios
continuous credit monitoring (CCM) activities
timely identification of emerging credit risk
assign an accurate risk rating
covenant monitoring program
problem loan management
early warning indicators
reviewing credit and financial information
analyzing financial information and related materials
completing the credit analyses for the Bank’s commercial transactions
independent credit quality assessment
identification of and description of credit risks and mitigants
making appropriate structure recommendations
identifying suspicious activity
partnering proactively with relationship managers
maintaining timely and accurate risk ratings
spreading financial statements
preparing financial / projection models
covenant sensitivity calculations
and guarantor statement analysis
entering complete and accurate data into Bank systems
attending client/prospect calls
recommending the risk rating
presenting analysis or addressing questions during credit request discussions or committee presentations
assisting in monitoring credit policy compliance
verifying adherence to the Commercial Credit Policy
commenting on any risk associated with non-compliance
adhering to applicable compliance/operational risk controls
maintaining M&T internal control standards
implementing internal and external audit points
addressing issues raised by external regulators
How You'll Work.
Team & Collaboration
partners with senior team members; partner proactively with relationship managers (RM); be intimately involved throughout the credit process; Attend client/prospect calls with RMs; Present analysis or address questions during credit request discussions or committee presentations; Works independently under general supervision; Contacts are primarily internal such as credit officers and other bank personnel; The position interacts with commercial banking relationship managers throughout the bank’s footprint and industry verticals
Communication Scope
verbal and written communication skills; written analyses; Present analysis or address questions during credit request discussions or committee presentations
Full Job Description
**Overview:** A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. **Primary Responsibilities:** * Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. * Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. * Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information. * Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals. * Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company’s case, bank’s base case and a downside
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