M&T Bank
Finance
CommercialCreditAnalystCRE
“Commercial Credit Analyst CRE at M&T Bank. Skills: commercial credit analysis, credit risk assessment, portfolio monitoring. performing supporting analysis. identifying risk issues”
What You'll Achieve.
timely and accurate risk ratings for a portfolio of commercial credits; 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
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, 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 real estate 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
reviewing credit and financial information
determining the need for more thorough investigation or additional information
analyzing financial information and related materials
completing credit analyses for 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
maintaining M&T internal control standards
How You'll Work.
Team & Collaboration
partners with senior team members; Partner proactively with relationship managers (RM); interacts with commercial banking relationship managers; Contacts are primarily internal such as credit officers and other bank personnel; Ability to work as a part of a team
Communication Scope
verbal and written communication skills
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