Commercial Credit Senior Analyst, C&I

M&T Bank•Radnor, PA

15h•$78,700 - $131,100

About The Position

A member of the Commercial Credit team, the Commercial Credit Senior Analyst supports senior team members with underwriting and ongoing monitoring of a portfolio of commercial credit relationships. The role performs supporting analysis, identifies risk issues, and completes portions of credit analyses to assess commercial clients’ creditworthiness. It supports credit delivery throughout the credit lifecycle, from initial analyses and material modifications or restructurings through ongoing loan monitoring. The work informs credit decisions for new, renewed, or amended transactions and helps ensure accurate risk ratings and financial statement spreads. The position interacts with commercial banking relationship managers and other internal personnel, includes customer interaction, and works independently with limited supervision. Commercial Credit assesses new and existing relationships, monitors credit risk throughout the life of loans, and ensures accurate completion of risk-rating scorecards and financial statement spreads. The analyst partners with relationship managers from deal screening through approval and throughout the life of the loan, and may participate in client or prospect calls and credit request or committee discussions. The pay range is $78,700.00–$131,100.00 USD. The successful candidate’s compensation will depend on their knowledge, skills, and experience. The position is located in Radnor, Pennsylvania, United States of America.

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 of relevant experience.
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.
Identify emerging credit risk in a timely manner and support actions to manage risk, minimize losses, and assign accurate risk ratings.
Review relevant credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data; determine whether further investigation or information is needed.
Analyze financial information and prepare written credit analyses, including an independent credit quality assessment, supported risk rating, credit risks and mitigants, industry concerns, market and financial trends, and other relevant 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 portfolio credit risk.
Partner proactively 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 and projection 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 the client and business and analyze and underwrite proposed transactions.
Recommend risk ratings based on underwriting parameters; prepare summaries, present facts, and offer opinions on creditworthiness.
Present analysis and address questions during credit request discussions or 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, and controls in accordance with the Company’s Risk Appetite; identify risk-related issues requiring escalation to management.
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 related duties as assigned.