Commercial Credit Associate - Dealer Commercial Services

M&T Bank

8d•$85,800 - $143,000

About The Position

The Commercial Credit Associate assesses and manages credit risk for M&T Bank commercial clients. The role analyzes financial statements, monitors loan portfolios, and supports compliance with credit policies and regulatory requirements. It partners with relationship managers and credit risk management throughout the credit lifecycle, from deal screening and approval through ongoing portfolio monitoring. This is a development account coverage role that works with senior team members on more challenging transactions and interacts with commercial banking relationship managers and other internal personnel. Customer interaction is expected. The role works independently with limited supervision and may lead transaction execution teams in partnership with a Commercial Credit Analyst.

Requirements

Bachelor’s degree in Accounting, Finance, Economics, or a related field and at least 4 years of experience in commercial credit, public accounting, and financial statement analysis; alternatively, a combined minimum of 8 years of higher education and work experience, including at least 4 years in commercial credit, public accounting, financial statement preparation or analysis, or other financial analysis.
Strong verbal and written communication skills.
Strong analytical skills, including 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 ability to understand structural elements efficiently.
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

Underwrite new credit requests and material modifications from deal screen through approval and for the life of the loan, including recommending the addition or removal of conditions.
Monitor ongoing credit risk in existing loan portfolios through activities such as annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance.
Review relevant credit and financial information, determine when further investigation is needed, and request additional information as appropriate.
Analyze financial information and prepare written credit analyses with an independent credit quality assessment, supported risk rating, credit risks and mitigants, industry and market considerations, financial trends, and other relevant issues.
Recommend credit structures based on analyses of company, bank base, and downside scenarios.
Identify suspicious activity and activity that may be contrary to a customer’s interests.
Partner with relationship managers throughout the deal process and maintain timely, accurate risk ratings for a portfolio of commercial credits.
Spread financial statements and prepare financial models to assess conditions affecting proposed transactions.
Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses as appropriate.
Attend client and prospect calls with relationship managers to understand clients and their businesses, underwrite proposed transactions, and recommend risk ratings.
Prepare summaries, present facts, and provide opinions concerning creditworthiness; present analyses and address questions in credit discussions or committee presentations.
Verify underwriting compliance with Commercial Credit Policy and comment on risks associated with non-compliance.
Follow company risk and regulatory standards, policies, controls, and Risk Appetite; identify risk-related issues requiring escalation.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
Provide input into the development and training of junior or newly hired Analysts.
Complete other related duties as assigned.