M&T Bank
Finance
CommercialCreditAnalyst
“Commercial Credit Analyst at M&T Bank. Skills: credit analysis, underwriting, portfolio monitoring, financial statement analysis. 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
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
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
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
making appropriate structure recommendations
identifying suspicious activity
partnering proactively with relationship managers (RM)
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 with RMs
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
understanding and adhering to applicable compliance/operational risk controls
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 and written communication skills
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