Commercial Credit Senior Analyst

M&T Bank•Boston, MA

About The Position

The Commercial Credit Senior Analyst supports senior Commercial Credit team members in underwriting and monitoring a portfolio of commercial credit relationships. The role performs supporting analysis, identifies risk issues, and completes portions of credit analyses to assess the creditworthiness of commercial clients. It supports credit delivery throughout the credit lifecycle, from initial analyses and transaction approvals through ongoing monitoring and the life of each loan. The position works independently with limited supervision, interacts with relationship managers and other internal personnel, and is expected to have customer interaction.

Requirements

Bachelor’s degree in Accounting, Finance, Economics, or a related field and at least 2 years of experience in commercial credit, public accounting, financial statement preparation or analysis, or other financial analysis; alternatively, a combined minimum of 6 years of higher education and work experience, including at least 2 years in one of these areas.
Strong analytical skills and proficiency in financial modeling and analysis of credit metrics.
Strong verbal and written communication skills.
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 screening through approval and for 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, identify when further investigation or information is needed, and complete credit analyses for commercial transactions.
Prepare written analyses with an independent credit quality assessment, a supported risk rating, and discussion of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent issues.
Recommend transaction structures based on analysis of the company case, the bank base case, and a downside case.
Identify suspicious activity and activity that may be contrary to a customer’s interests.
Partner with relationship managers throughout the deal process and help maintain timely and accurate risk ratings for commercial credits.
Spread financial statements and prepare financial and projection models, including cash flow analyses, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses as appropriate.
Attend client and prospect calls with relationship managers to understand clients and their businesses and support transaction underwriting.
Recommend risk ratings, prepare summaries, present facts, and offer opinions concerning creditworthiness.
Present analyses or address questions during credit request discussions and committee presentations.
Verify adherence to the Commercial Credit Policy and comment on risks associated with non-compliance.
Adhere to company risk and regulatory standards, policies, controls, and Risk Appetite; identify risk-related issues that require escalation to management.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards and implement internal and external audit points and applicable issues raised by external regulators in a timely manner.
Complete other related duties as assigned.