M&T Bank
Financial Services
CommercialCreditAssociate
“Commercial Credit Associate at M&T Bank. Skills: Commercial credit, Credit risk, Financial statement analysis. Underwrite new requests. Modify existing requests”
Industry & Context.
Problem-solving abilities; Critical thinking
What They're Looking For.
Must Have
4 years' experience in commercial credit, 4 years' public accounting experience, 4 years' financial statement analysis, Bachelor's degree in Accounting, Bachelor's degree in Finance, Bachelor's degree in Economics, 8 years' higher education and work experience
Nice to Have
Capital IQ experience, FactSet experience, Bloomberg experience
What You'll Do.
Underwrite new requests
Modify existing requests
Recommend adding conditions
Recommend removing conditions
Manage ongoing credit risk
Monitor loan portfolios
Identify emerging credit risk
Assign accurate risk rating
Conduct annual reviews
Prepare interim update memos
Manage covenant monitoring program
Identify early warning indicators
Conduct credit surveillance
Review credit information
Review financial information
Review due diligence reports
Review credit bureaus
Review internal credit information
Review industry research
Determine need for investigation
Determine need for additional information
Analyze financial information
Complete credit analyses
Assess credit quality
Identify credit risks
Describe credit risks
Identify industry concerns
Identify market trends
Identify financial trends
Make structure recommendations
Identify suspicious activity
Identify contrary activity
Partner with relationship managers
Involve in deal process
Maintain risk ratings
Spread financial statements
Prepare financial models
Prepare cash flow schedules
Prepare collateral schedules
Prepare covenant sensitivity calculations
Prepare guarantor statement analysis
Attend prospect calls
Understand client business
Understand prospect business
Analyze proposed transaction
Underwrite proposed transaction
Recommend risk rating
Offer opinions on credit-worthiness
Address questions in credit discussions
Address questions in committee presentations
Ensure credit policy compliance
Verify underwriting adherence
Comment on risk of non-compliance
Adhere to risk standards
Adhere to regulatory standards
Identify risk issues needing escalation
Promote belonging environment
Reflect M&T Bank brand
Maintain internal control standards
Implement internal audit points
Implement external audit points
Implement regulator issues
Complete related duties
How You'll Work.
Team & Collaboration
Partner with relationship managers; Work with senior team members; Interact with RMs; Interact with internal personnel; Lead transaction execution team; Partner with Analyst
Communication Scope
Verbal communication; Written communication; Present analysis; Address questions
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