M&T Bank
CommercialCreditAssociateCRE
“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 through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.. Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) acti”
What You'll Achieve.
timely identification of emerging credit risk; minimize losses; assign an accurate risk rating; ensure timely and accurate credit risk ratings; compliance with both credit policy and loan agreements
Industry & Context.
critical thinking; 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 through detailed financial statement analysis
cash flow analysis and the ability to repay annual debt service.
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.
Review all pertinent credit and financial information
including but not limited to financial statements
due diligence reports
internal credit information
industry research and peer data.
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.
covenant sensitivity calculations
and guarantor statement analysis as appropriate.
Monitor credit performance of customer portfolios and escalate or remediate
Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy
and evaluating any risk associated with non-compliance.
Present analysis or address questions during credit discussions or presentations.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Maintain M&T internal control standards
including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
How You'll Work.
Team & Collaboration
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.; May attend client calls with RMs in order to gain a thorough understanding of the client / prospect and their business in order to effectively assist in annual reviews, renewals and ongoing monitoring activities.; Interacts with Commercial Relationship Managers and Group Managers throughout the bank's footprint, as well as other internal personnel, on credit monitoring of largest, most complex and/or specialized loans.
Communication Scope
verbal and written communication skills
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