M&T Bank
Financial Services
CommercialCreditAssociate
“Commercial Credit Associate at M&T Bank. Skills: Commercial credit, Credit risk, Financial analysis. Underwrite new requests and material modifications. Recommend adding or removing conditions”
Industry & Context.
Problem-solving abilities; Critical thinking
What They're Looking For.
Must Have
Bachelor's degree in Accounting, Finance, Economics or related field, 4 years’ experience in commercial credit, public accounting, and financial statement analysis, Minimum 8 years' higher education and work experience in lieu of degree, Familiarity with legal documents
Nice to Have
Experience with Capital IQ, Experience with FactSet, Experience with Bloomberg
What You'll Do.
Underwrite new requests and material modifications
Recommend adding or removing conditions
Manage ongoing credit risk of existing loan portfolios
Conduct continuous credit monitoring
Identify emerging credit risk
Assign accurate risk rating
Perform annual reviews
Prepare interim update memos
Manage covenant monitoring program
Review credit and financial information
Determine need for further investigation
Analyze financial information and materials
Complete credit analyses for commercial transactions
Assess credit quality
Identify and describe credit risks
Identify and describe credit mitigants
Analyze industry concerns
Analyze market trends
Analyze financial trends
Make structure recommendations
Identify suspicious activity
Identify activity contrary to customer's interest
Partner with relationship managers
Maintain timely and accurate risk ratings
Spread financial statements
Prepare financial models
Prepare cash flow schedules
Prepare collateral schedules
Prepare covenant sensitivity calculations
Prepare financial models
Prepare guarantor statement analysis
Attend client/prospect calls
Understand client/prospect business
Underwrite proposed transaction
Recommend risk rating
Offer opinions on credit-worthiness
Present analysis during credit discussions
Address questions during committee presentations
Ensure credit policy compliance
Verify adherence to Commercial Credit Policy
Comment on risks of non-compliance
Adhere to risk and regulatory standards
Adhere to policies and controls
Identify risk-related issues needing escalation
Promote an environment that supports belonging
Maintain internal control standards
Implement internal and external audit points
Implement issues raised by external regulators
Complete other related duties
How You'll Work.
Team & Collaboration
Partner with relationship managers; Work with senior team members; Interact with commercial banking RMs; Interact with internal personnel; Input into development of junior analysts; Train junior analysts
Communication Scope
Verbal communication; Written communication; Present analysis; Address questions
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