Commercial Credit Analyst, Commercial Real Estate

M&T Bank•Radnor, PA

1d•$68,400 - $114,000

About The Position

The Commercial Credit Analyst is a member of the Commercial Real Estate Credit team and supports senior team members with underwriting and ongoing monitoring of a portfolio of credit relationships. The role performs supporting analysis, identifies risk issues, and completes sections of credit analyses to assess the creditworthiness of commercial clients. The analyst supports commercial credit delivery throughout the credit lifecycle, from initial analysis of new relationships and material modifications or restructurings through ongoing monitoring. The work supports decisions on new, renewed, or amended credit transactions and includes completing risk-rating scorecards and financial statement spreads. The role works independently under general supervision, partners with commercial banking relationship managers, and is expected to interact with customers.

Requirements

Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least one year of work experience in commercial credit, public accounting, financial statement preparation or analysis, or other financial analysis; alternatively, a combined minimum of five years of higher education and/or work experience, including at least one year in one of those fields.
Strong verbal and written communication skills.
Strong analytical ability.
Critical-thinking and problem-solving abilities.
Attention to detail and a high level of accuracy.
Strong organizational and time-management skills.
Ability to work independently and as part of a team.
Customer focus and strong interpersonal skills.
Proficiency with Microsoft Office.

Nice To Haves

Experience with Capital IQ, FactSet, and Bloomberg.

Responsibilities

Analyze new credit requests and material modifications from deal screening through approval and throughout the life of the loan, including recommending the addition or removal of conditions.
Monitor existing loan portfolios through continuous credit monitoring, including annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance.
Review relevant credit and financial information, such as financial statements, tax returns, due diligence reports, credit bureau information, appraisals, internal credit information, industry research, and peer data; identify when further investigation or information is needed.
Prepare written credit analyses that include an independent credit quality assessment, a supported risk rating, credit risks and mitigants, industry concerns, market and financial trends, and other relevant credit issues.
Recommend appropriate transaction structures based on analysis of the company’s case, the bank’s base case, and a downside case.
Identify suspicious activity and activity that may be contrary to a customer’s interests while managing ongoing portfolio risk.
Partner with relationship managers throughout the credit process, from deal screening through approval and the life of the loan, to maintain timely and accurate risk ratings.
Spread financial statements and prepare financial and projection models, including cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis as appropriate.
Enter complete and accurate data into bank systems to support underwriting and portfolio management.
Attend client and prospect calls with relationship managers to understand businesses, analyze and underwrite proposed transactions, and recommend risk ratings.
Present analyses or address questions during credit request discussions and committee presentations.
Assist in monitoring compliance with Commercial Credit Policy and comment on risks associated with non-compliance.
Adhere to applicable compliance and operational risk controls in accordance with company and regulatory standards and policies.
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 and applicable issues raised by external regulators.
Complete other duties as assigned.