M&T Bank
Finance
CommercialCreditAssociate-CRE
Neural analysis suggests this role is
optimal for Mid candidates.
“Commercial Credit Associate - CRE at M&T Bank. Skills: commercial credit underwriting, credit risk analysis, portfolio monitoring. underwriting new requests and material modifications. managing ongoing credit risk of existing loan portfolios”
What You'll Achieve.
timely identification of emerging credit risk; manage the risk; minimize losses; assign an accurate risk rating; facilitate sound lending decisions; portfolio management; ensure accurate completion of the Bank's risk rating scorecards and financial statement spreads
Industry & Context.
problem-solving abilities; critical thinking
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, 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
Nice to Have
Experience with Capital IQ, FactSet, and Bloomberg
What You'll Do.
underwriting new requests and material modifications
managing ongoing credit risk of existing loan portfolios
continuous credit monitoring (CCM) activities
covenant monitoring program
problem loan management
early warning indicators
review all pertinent credit and financial information
analyze financial information and related materials
complete credit analyses for commercial transactions
recommend structure recommendations
identify suspicious activity
maintain timely and accurate risk ratings for a portfolio of commercial credits
covenant sensitivity calculations
and guarantor statement analysis
and offers opinions concerning credit-worthiness
present analysis or address questions during credit request discussions or committee presentations
ensure credit policy compliance
adhere to risk and regulatory standards
policies and controls
maintain M&T internal control standards
How You'll Work.
Team & Collaboration
Partner proactively with relationship managers (RM); be intimately involved throughout the deal process; work with senior team members on more challenging complex transactions; interacts with commercial banking RMs throughout the bank’s footprint and industry verticals as well as other internal personnel on typical credit approvals; Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst; Input into the development of and training of junior/newly hired Analysts
Communication Scope
verbal communication skills; written communication skills
Full Job Description
**Overview:** The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management. **Primary Responsibilities:** * Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. Will work with senior team members on more challenging complex transactions/account coverage. * 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, 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 the credit analyses for the Bank’s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issue
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