Senior Credit Analyst

M&T Bank • Bridgeport, CT

466d • $79,186 - $146,370

About The Position

The Senior Credit Analyst at M&T Bank plays a crucial role in supporting LEAF Sales personnel by engaging in complex credit discussions with various stakeholders. This position involves preparing detailed credit write-ups for the LEAF Credit Committee and M&T Bank Deputy Credit Officer, analyzing complex financial statements, and assessing borrower and vendor relationships. The Senior Credit Analyst also serves as a backup for the Credit Manager, ensuring adherence to credit policies and facilitating customer interactions regarding financing needs.

Requirements

• BA/BS Degree, preferably in Finance or Accounting.
• Formal credit training preferred.
• 7-10+ years of related experience preferred.
• Leasing industry experience is a plus.
• Good working knowledge of credit and underwriting principles and procedures.
• Excellent underwriting analysis and investment decision-making skills.
• Strong organization and attention to detail with a sense of urgency.
• Excellent written and verbal communication skills.
• Ability to make presentations to the credit committee.
• Ability to work independently and as part of a team.

Nice To Haves

• Good working knowledge of other departments such as Sales, Funding, and Collections.
• Complete knowledge and understanding of LEAF's credit policies and procedures.

Responsibilities

• Prepare detailed credit write-ups for presentation to LEAF Credit Committee and M&T Bank Deputy Credit Officer.
• Review complex borrower's financial statements and tax returns using financial spreadsheets to analyze financial condition and cash flow.
• Recommend risk ratings based on the bank's PD/LGD scorecard.
• Gather information from various sources regarding vendors and their relationships with borrowers.
• Independently write detailed credit memos and participate in credit discussions with senior management.
• Assess large ticket opportunities and compile questions for additional information needed.
• Demonstrate specialty lending underwriting experience in sectors such as hospitals, non-profits, and commercial real estate.
• Prepare long-form spreads for complex large-ticket requests, including debt service overview worksheets.
• Navigate Moody's, S&P, and Fitch ratings databases to obtain relevant public debt ratings.
• Ensure compliance with LEAF credit policy, M&T bank policies, and government regulations.
• Facilitate customer calls to discuss financing needs and understand Obligor's financial performance.
• Review 10-Ks and 10-Qs to extract pertinent information for credit recommendations.
• Work with the LEAF Sales Team to structure loans/leases while managing risk exposure.
• Demonstrate understanding of the financial regulatory environment as it applies to commercial credit transactions.

Benefits

• Competitive pay range of $38.07 - $70.37 (USD) based on experience and skills.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree