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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 customer credit needs by analyzing new requests and 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, including annual reviews, interim update memos, covenant monitoring, problem loan management, and early warning indicators.
- Review credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data to determine the need for further investigation.
- Analyze financial information and complete credit analyses for commercial transactions, including an independent credit quality assessment, risk rating, identification of risks and mitigants, and industry/market/financial trends.
- 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 credit process to maintain timely and accurate risk ratings.
- Spread financial statements and prepare financial/projection models, including cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis.
- Enter accurate data into Bank systems for underwriting and portfolio management.
- Attend client/prospect calls with RMs to understand the business and effectively analyze and underwrite transactions, recommending risk ratings.
- Present analysis or 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/operational risk controls.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of audit points and regulatory issues.
- 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
- Commercial Credit
- Underwriting
- Credit Analysis
- Financial Statement Analysis
- Financial Modeling
- Risk Management
- Microsoft Office
Location
- New York, New York, United States of America
Work Type
- Full-time
Experience Level
- 1+ year experience
Education Level
- Bachelor's Degree
Salary/Compensations
- $75,900.00 - $126,500.00 Annually
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.