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About the Role

This role supports senior team members in underwriting and monitoring a portfolio of credit relationships. The position involves performing analysis, identifying risks, and completing credit assessments to evaluate the creditworthiness of commercial clients.

Responsibilities

• Underwrite new credit requests and modifications from initial screening through approval and for the life of the loan.
• Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring activities.
• Review 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 independent credit quality assessment, risk identification, and market trend analysis.
• Make structure recommendations based on scenario analysis.
• Identify suspicious activity and activity contrary to customer interests within existing portfolios.
• Partner with relationship managers throughout the deal process to maintain accurate risk ratings.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis.
• Attend client/prospect calls with relationship managers to understand businesses and underwrite transactions.
• Present facts and opinions concerning credit-worthiness.
• Present analysis and address questions during credit discussions or committee presentations.
• Ensure credit policy compliance and comment on risks associated with non-compliance.
• Adhere to the Company’s risk and regulatory standards, policies, and controls.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain internal control standards, including timely implementation of audit points and regulatory issues.
• 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
• Microsoft Office proficiency

Location

• New York, NY

Work Type

• Hybrid

Experience Level

• 2 years experience

Education Level

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

Salary/Compensations

• $87,200.00 - $145,400.00 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.