M&T Bank
Finance
CommercialCreditAnalystCRE
“Commercial Credit Analyst CRE at M&T Bank. Skills: Commercial Credit Analysis, Underwriting, Portfolio Monitoring, Risk Assessment. Performing supporting analysis. Identifying risk issues”
What You'll Achieve.
Timely identification of emerging credit risk; Minimizing losses; Assigning an accurate risk rating; Maintaining timely and accurate risk ratings for a portfolio of commercial credits; Ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads
Industry & Context.
Critical thinking; 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 from deal screen through approval and for the life of the loan
Recommending adding or removing conditions
Managing the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities
Timely identification of emerging credit risk
Taking appropriate actions to manage risk
Assigning an accurate risk rating
Performing annual reviews
Preparing interim update memos
Managing a covenant monitoring program
Managing problem loans
Utilizing early warning indicators
Performing other forms of credit surveillance
Reviewing pertinent credit and financial information
Analyzing financial information and related materials
Completing credit analyses for the Bank’s commercial transactions
Providing independent credit quality assessment with well-supported risk rating
Identifying and describing credit risks and mitigants
Analyzing industry concerns
and other pertinent credit issues
Making appropriate structure recommendations
Identifying suspicious activity
Identifying activity that may be contrary to customer’s interest
Partnering proactively with relationship managers (RM)
Maintaining timely and accurate risk ratings for a portfolio of commercial credits
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
Completing other duties as assigned
How You'll Work.
Team & Collaboration
Partnering with senior team members; Partnering proactively with relationship managers (RM); Working as part of a team; Interacting with credit officers and other bank personnel; Interacting with commercial banking relationship managers; Attending client/prospect calls with RMs; Presenting analysis or addressing questions during credit request discussions or committee presentations
Communication Scope
Verbal communication skills; Written communication skills
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