M&T Bank
Finance
CommercialCreditAnalyst
“Commercial Credit Analyst at M&T Bank. Skills: underwriting, credit analysis, credit risk management, loan portfolio monitoring. performing supporting analysis. identifying risk issues”
What You'll Achieve.
timely identification of emerging credit risk; manage the risk, minimize losses; assign an accurate risk rating; maintain timely and accurate risk ratings for a portfolio of commercial credits; ensure the accurate completion of the Bank's risk rating scorecards and financial statement spreads
Industry & Context.
Critical thinking and problem-solving abilities
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
review all pertinent credit and financial information
analyze financial information and related materials
complete the credit analyses for the Bank’s commercial transactions
independent credit quality assessment with well-supported risk rating
identification of and description of credit risks and mitigants
and other pertinent credit issues
Make appropriate structure recommendations
identify suspicious activity
partner proactively with relationship managers (RM)
maintain timely and accurate risk ratings for a portfolio of commercial credits
Spread financial statements
prepare financial / projection models
covenant sensitivity calculations
and guarantor statement analysis
Enter complete and accurate data into Bank systems
Attend client/prospect calls with RMs
recommend the risk rating
Present analysis or address questions during credit request discussions or committee presentations
Assist in monitoring credit policy compliance
verifying adherence to the Commercial Credit Policy
commenting on any risk associated with non-compliance
Understand and adhere to applicable compliance/operational risk controls
Maintain M&T internal control standards
timely implementation of internal and external audit points
address any 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; 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
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