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About the Role

A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.

Responsibilities

• Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities.
• Review all pertinent 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 related materials and complete the credit analyses for the Bank’s commercial transactions.
• Make appropriate structure recommendations based on an analysis and evaluation of scenarios.
• Identify suspicious activity and activity that may be contrary to customer’s interest.
• Partner proactively with relationship managers (RM) and be involved throughout the credit process.
• Spread financial statements and prepare financial / projection models.
• Enter complete and accurate data into Bank systems.
• Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business.
• Present analysis or address questions during credit request discussions or committee presentations.
• Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy.
• Understand and adhere to applicable compliance/operational risk controls.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards.
• 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, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including of 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

• Capital IQ
• FactSet
• Bloomberg
• nCino

Location

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

Work Type

• Full-time

Experience Level

• 1 year of experience

Education Level

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

Salary/Compensations

• $62,200.00 - $103,600.00 (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.
• Contacts are primarily internal such as credit officers and other bank personnel.
• The position interacts with commercial banking relationship managers throughout the bank’s footprint and industry verticals.
• Customer interaction is expected.
• Works independently under general supervision.