M&T Bank
CommercialCreditAssociateCRE
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optimal for Mid candidates.
“Commercial Credit Associate CRE at M&T Bank. Skills: credit risk, financial statement analysis, financial modeling, credit monitoring. Evaluate and determine the credit risks of largest, most complex and/or specialized commercial clients. Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities”
What You'll Achieve.
timely identification of emerging credit risk; minimize losses; assign an accurate risk rating; maintain timely and accurate risk ratings; ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements
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, at least 4 years’ experience in commercial credit, public accounting, and financial statement analysis, In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, verbal and written communication skills, analytical skills with proficiency in financial modeling and analysis of credit metrics, Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis, Familiarity with legal documents and how to efficiently understand structural elements, 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, Experience in construction loan monitoring
Nice to Have
Experience with Capital IQ, FactSet, and Bloomberg, Experience using nCino
What You'll Do.
Evaluate and determine the credit risks of largest
most complex and/or specialized commercial clients
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities
Review all pertinent credit and financial information
Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions
Risk assessment of customers on an ongoing basis
Liaison between Commercial Banking Relationship Managers and the Underwriting Team
Spread financial statements and prepare financial models
covenant sensitivity calculations
and guarantor statement analysis
Monitor credit performance of customer portfolios
Ensure credit policy compliance
Present analysis or address questions during credit discussions or presentations
Adhere to applicable compliance/operational risk controls
Maintain M&T internal control standards
How You'll Work.
Team & Collaboration
Liaison between Commercial Banking Relationship Managers and the Underwriting Team; May attend client calls with RMs in order to gain a thorough understanding of the client / prospect and their business; Works independently with minimal supervision; Input into training of junior/newly hired Portfolio Managers
Communication Scope
verbal and written communication skills
Process & Methodology
organizational and time management skills
Full Job Description
Locations: Buffalo, NY, Tyson's Corner, VA, Radnor, PA or NY, NY OVERVIEW Evaluate and determine the credit risks of largest, most complex and/or specialized commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. RESPONSBILILTIES • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. • Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information. • Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions. Risk assessment of customers is on an ongoing basis with a focus on identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Analyses to include an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. • Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers, whether through new requests, modifications or annual reviews / renewals. Includes docu
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