M&T Bank
Finance
CommercialCreditAssociateCRE
“Commercial Credit Associate - CRE at M&T Bank. Skills: commercial credit underwriting, credit risk analysis, portfolio monitoring, financial statement analysis. 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; maintain timely and accurate risk ratings
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
reviewing credit and financial information
analyzing financial information
completing credit analyses
making structure recommendations
identifying suspicious activity
preparing financial models
preparing cash flow schedules
preparing collateral schedules
preparing covenant sensitivity calculations
preparing financial models
preparing guarantor statement analysis
presenting facts and opinions concerning credit-worthiness
ensuring credit policy compliance
adhering to risk and regulatory standards
policies and controls
maintaining M&T internal control standards
How You'll Work.
Team & Collaboration
Partner proactively with relationship managers (RM); 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; 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
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