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About the Role

A member of the Commercial Credit team supporting underwriting and ongoing monitoring of credit relationships. Responsible for analysis, identifying risk issues, and assessing the creditworthiness of commercial clients.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and for the life of the loan, recommending conditions as needed.
• Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, including annual reviews, interim update memos, covenant monitoring, problem loan management, and early warning indicators.
• Review credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.
• Analyze financial information and complete credit analyses for commercial transactions, including an independent credit quality assessment, risk rating, identification of credit risks and mitigants, and market/financial trends.
• Make appropriate structure recommendations based on scenario analysis.
• Identify suspicious activity and activity contrary to customer interests within existing portfolios.
• Partner with relationship managers (RM) throughout the deal process to maintain timely and accurate risk ratings.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis.
• Attend client/prospect calls with RMs to understand the client/prospect and their business for effective analysis and underwriting.
• Prepare summaries, present facts, and offer opinions concerning credit-worthiness.
• Present analysis or address questions during credit request discussions or committee presentations.
• Ensure credit policy compliance by verifying adherence to the Commercial Credit Policy.
• Understand and adhere to the Company’s risk and regulatory standards, policies, and controls.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points.
• Complete other related duties as assigned.

Requirements

• Bachelor's degree in Accounting, Finance, Economics or related field and 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• In lieu of a degree, a combined minimum 6 years' higher education and work experience to include 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Strong verbal and written communication skills.
• Critical thinking and problem-solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time management skills.
• Ability to work independently and as a part of a team.
• Customer focused with strong interpersonal skills.
• Proficiency with Microsoft Office.

Skills

• Financial modeling
• Credit metrics analysis
• Verbal communication
• Written communication
• Critical thinking
• Problem-solving
• Attention to detail
• Accuracy
• Organization
• Time management
• Teamwork
• Interpersonal skills
• Microsoft Office proficiency
• Capital IQ
• FactSet
• Bloomberg

Location

• Buffalo, New York, United States of America

Work Type

• Full-time

Experience Level

• 2 years experience

Education Level

• Bachelor's degree in Accounting, Finance, Economics or related field

Salary/Compensations

• $71,600.00 - $119,300.00 Annual (USD)

About the Company

• Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle.
• Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan.
• Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads.
• The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
• The position interacts with commercial banking relationship managers throughout the bank’s footprint and industry verticals as well as other internal personnel on credit approvals.
• Customer interaction is expected.
• Works independently with limited supervision.