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About the Role

A member of the Commercial Credit team supporting underwriting and ongoing monitoring of credit relationships. This role involves performing analysis, identifying risks, and assessing the creditworthiness of commercial clients.

Responsibilities

• Analyze new credit requests and modifications from deal screening 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, covenant monitoring, and problem loan management.
• Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data to determine further investigation needs.
• Analyze financial information and complete credit analyses for commercial transactions, including independent credit quality assessment, risk rating, and identification of risks and mitigants.
• Make 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 credit process to maintain accurate risk ratings.
• Spread financial statements and prepare financial/projection models, including cash flow, collateral schedules, covenant sensitivity, and guarantor statements.
• Enter accurate data into Bank systems for underwriting and portfolio management.
• Attend client/prospect calls with RMs to understand businesses and recommend risk ratings.
• Present analysis and address questions during credit discussions or committee presentations.
• Assist in monitoring credit policy compliance and commenting on risks associated with non-compliance.
• Understand and adhere to applicable compliance and operational risk controls.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards and implement audit points.
• Complete other duties as assigned.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics or related field and a minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• In lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including one year work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong verbal and written communication skills.
• Strong analytical ability.
• 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

• Commercial Credit
• Public Accounting
• Financial Statement Preparation/Analysis
• Financial Analysis
• Microsoft Office
• Capital IQ
• FactSet
• Bloomberg
• nCino

Location

• Radnor, PA
• New York, NY
• Buffalo, NY
• New York, New York, United States of America

Work Type

• Full-time

Experience Level

• 1+ year experience

Education Level

• Bachelor's degree in Accounting, Finance, Economics or related field
• Combined minimum of 5 years’ higher education and/or work experience (if no degree)

Salary/Compensations

• $75,900.00 - $126,500.00 (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.
• M&T Bank is committed to fair, competitive, and market-informed pay for our employees.