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About the Role

The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolios, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.

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.
Review 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 complete credit analyses for the Bank’s commercial transactions, including an independent credit quality assessment with well-supported risk rating, identification of credit risks and mitigants, industry concerns, market trends, and financial trends.
Make appropriate structure recommendations based on analysis and evaluation of scenarios.
Identify suspicious activity and activity contrary to customer's interest within existing portfolios.
Partner proactively 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 to effectively analyze and underwrite the proposed transaction.
Present facts and offer opinions concerning credit-worthiness 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.
Provide input into the development of and training of junior/newly hired Analysts.

Requirements

Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years’ experience in commercial credit, public accounting, and financial statement analysis.
In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong verbal and written communication skills.
Strong 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.
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.
Experience with Capital IQ, FactSet, and Bloomberg is preferred.

Skills

Financial statement analysis
Credit risk management
Loan portfolio monitoring
Credit policy compliance
Regulatory requirements
Financial modeling
Credit metrics analysis
Financial ratio calculation
Data analysis
Trend analysis
Legal document familiarity
Critical thinking
Problem-solving
Attention to detail
Organizational skills
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

4 years of experience
8 years combined higher education and work experience

Education Level

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

Salary/Compensations

$85,800.00 - $143,000.00 Annual (USD)

About the Company

M&T Bank is committed to fair, competitive, and market-informed pay for our employees.