M&T Bank
Finance
CommercialCreditAnalyst
“Commercial Credit Analyst at M&T Bank. Skills: credit analysis, portfolio monitoring, financial analysis. 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 for a portfolio of commercial credits
Industry & Context.
Critical thinking and problem-solving abilities
What They're Looking For.
Must Have
Bachelor's degree in Accounting, Finance, Economics or related field, minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including of one year 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 from deal screen through approval and for the life of the loan
recommending adding or removing conditions
Manage the ongoing credit risk of existing loan portfolios through 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
due diligence reports
internal credit information
Determine the need for more thorough investigation or additional 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
other pertinent credit issues of respective deals
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 designed to sensitize various conditions impacting the proposed transaction
covenant sensitivity calculations
and guarantor statement analysis
Enter complete and accurate data into Bank systems
Attend client/prospect calls with RMs
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); interacts with commercial banking relationship managers; Works independently under general supervision; Ability to work as a part of a team
Communication Scope
verbal communication skills; written communication skills; Present analysis or address questions during credit request discussions or committee presentations
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