Commercial Credit Senior Analyst

M&T Bank • Baltimore, MD

121d • $77,026 - $128,376

About The Position

A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the ongoing monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.

Requirements

• Bachelor's degree in Accounting, Finance, Economics or related field.
• 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Strong verbal and written communication skills.
• Critical thinking and problem-solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time management skills.
• Ability to work independently and as a part of a team.
• Customer focused with strong interpersonal skills.
• Proficiency with Microsoft Office.

Nice To Haves

• Experience with Capital IQ, FactSet, and Bloomberg preferred.
• Large Corporate Banking experience.

Responsibilities

• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk.
• Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.
• Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
• Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business.
• Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.

Benefits

• Medical and retirement benefits.
• Forty hours of paid volunteer time each year.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree