Commercial Credit Senior Analyst, Franchise
About The Position
The Commercial Credit Senior Analyst is a member of the Commercial Credit team and partners with senior team members to underwrite and monitor a portfolio of commercial credit relationships. The role performs supporting analysis, identifies risk issues, and completes credit-analysis sections as needed to assess commercial clients’ creditworthiness. Commercial Credit supports the Bank’s commercial clients throughout the credit lifecycle, from initial analysis of new relationships through material modifications, restructurings, and ongoing monitoring. The role’s assessments and work on risk-rating scorecards and financial-statement spreads inform credit decisions for new, renewed, or amended transactions. The position interacts with commercial banking relationship managers across the Bank’s footprint and industry verticals, as well as other internal personnel involved in credit approvals. Customer interaction is expected. The analyst works independently with limited supervision and has no supervisory or managerial responsibilities.
Requirements
- Bachelor’s degree in Accounting, Finance, Economics, or a related field and 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 2 years of such 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 throughout the life of the loan, including recommending the addition or removal of conditions.
- Manage ongoing credit risk in 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, including financial statements, tax returns, due-diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data; determine whether additional investigation or information is needed.
- Analyze financial information and prepare written credit analyses that independently assess credit quality, support risk ratings, identify risks and mitigants, and address industry concerns, market trends, financial trends, and other pertinent credit issues.
- Recommend appropriate transaction structures based on analysis of company, bank base-case, and downside-case scenarios.
- Identify suspicious activity or activity that may be contrary to a customer’s interests while managing existing portfolio credit risk.
- Partner with relationship managers throughout the deal process and help maintain timely and accurate risk ratings for a commercial-credit portfolio.
- Spread financial statements and prepare financial and projection models to sensitize 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 businesses and analyze and underwrite proposed transactions; recommend risk ratings based on underwriting parameters.
- Prepare summaries, present facts, and offer opinions concerning creditworthiness.
- Present analyses or address questions during credit-request discussions and committee presentations.
- Verify underwriting adherence to the Commercial Credit Policy and comment on risks associated with non-compliance.
- Adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with its Risk Appetite, and escalate risk-related issues to management as needed.
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
