M&T Bank
Finance
CommercialCreditAnalystCRE
“Commercial Credit Analyst - CRE at M&T Bank. Skills: underwriting, credit analysis, credit risk management, financial statement analysis, financial modeling. 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; Recommend the risk rating
Industry & Context.
problem-solving abilities; Critical thinking
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
assess the creditworthiness of commercial clients
analyzing new requests and material modifications
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
Review all pertinent credit and financial information
Analyze financial information and related materials
complete the credit analyses for the Bank’s commercial transactions
Make appropriate structure recommendations
identify suspicious activity
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
Present analysis or address questions during credit request discussions or committee presentations
Assist in monitoring credit policy compliance
Understand and adhere to applicable compliance/operational risk controls
Maintain M&T internal control standards
How You'll Work.
Team & Collaboration
partners with senior team members; Partner proactively with relationship managers (RM); be intimately involved throughout the credit process; 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; communication skills
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