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About the Role
This role is part of the Commercial Credit team, supporting underwriting and portfolio monitoring of credit relationships. The position involves performing analysis, identifying risks, and assessing the creditworthiness of commercial clients.
Responsibilities
- Facilitate customer credit needs by underwriting new requests and modifications from deal screen through approval and for the life of the loan.
- Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities.
- Review pertinent credit and financial information to determine the need for further investigation.
- Analyze financial information and complete credit analyses for commercial transactions.
- 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 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 business and underwrite transactions.
- 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.
- 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.
- Experience with Capital IQ, FactSet, and Bloomberg preferred.
- Experience with nCino.
- Experience with commercial real estate underwriting.
Skills
- Financial modeling
- Credit metrics analysis
- Microsoft Office proficiency
- Capital IQ
- FactSet
- Bloomberg
- nCino
- Commercial real estate underwriting
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.