M&T Bank
Finance
CommercialCreditSeniorAssociate
“Commercial Credit Senior Associate at M&T Bank. Skills: commercial credit, credit risk management, financial analysis, loan underwriting, portfolio management. assessing and managing credit risk for commercial clients. analyzing financial statements”
What You'll Achieve.
facilitate sound lending decisions; portfolio management; timely identification of emerging credit risk; minimize losses; assign an accurate risk rating; make appropriate structure recommendations; maintain timely and accurate risk ratings for a portfolio of commercial credits; ensure accurate completion of the Bank's risk rating scorecards and financial statement spreads; make credit decisions for new or renewed or amended credit transactions
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 and 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis., In lieu of a degree, a combined minimum 9 years’ higher education and work experience, to include 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis., analytical skills with proficiency in financial modeling and analysis of credit metrics., Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis., Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently., Excellent verbal and written communication skills., Critical thinking and problem-solving abilities., Attention to detail and high level of accuracy., Ability to work independently and as a part of a team., organizational and time management skills., Customer focused with interpersonal and relationship building skills., Proficiency in Microsoft Office.
Nice to Have
Experience with nCino
What You'll Do.
assessing and managing credit risk for commercial clients
analyzing financial statements
monitoring loan portfolio
ensuring compliance with credit policies and regulatory requirements
transaction execution
underwriting new requests and material modifications
ongoing credit risk monitoring (CCM) activities
covenant monitoring program
problem loan management
early warning indicators
reviewing credit and financial information
gathering information
completing credit analyses for commercial transactions
independent credit quality assessment
identification of credit risks and mitigants
structure recommendations
identifying suspicious activity
maintaining timely and accurate risk ratings
spreading financial statements
preparing financial models
preparing cash flow schedules
preparing collateral schedules
preparing covenant sensitivity calculations
preparing financial models
preparing guarantor statement analysis
attending client/prospect calls
recommending risk rating
offering opinions concerning credit-worthiness
assisting in the structure of loan requests
ensuring credit policy compliance
verifying adherence to Commercial Credit Policy
evaluating risk associated with non-compliance
addressing questions during credit request discussions or committee presentations
adhering to risk and regulatory standards
policies and controls
identifying risk-related issues needing escalation
maintaining internal control standards
implementing internal and external audit points
implementing issues raised by external regulators
completing other related duties as assigned
How You'll Work.
Team & Collaboration
partner with senior team members on complex transactions/account coverage; partner proactively with relationship managers; interacts with commercial banking relationship managers; interacts with other internal personnel on 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
Excellent verbal and written communication skills
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