Commercial Credit Analyst at M&T Bank

Buffalo, New York, United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, FinanceIndustries

Requirements

Ability to analyze financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data
Proficiency in spreading financial statements and preparing financial/projection models, cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis
Skill in completing credit analyses, including independent credit quality assessment, risk rating recommendations, identification of risks and mitigants, industry/market/financial trends
Capability to evaluate scenarios (company’s case, bank’s base case, downside case) and make structure recommendations
Competence in entering complete and accurate data into Bank systems
Understanding of commercial credit processes, from deal screen through approval and loan lifecycle
Knowledge of credit policy compliance, operational risk controls, regulatory standards, and internal control standards
Ability to partner with relationship managers, attend client/prospect calls, present analysis, and address questions in credit discussions or committees

Responsibilities

Facilitate credit needs of customers by analyzing new requests and material modifications from deal screen through approval and loan lifecycle, including recommending conditions
Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, such as annual reviews, interim memos, covenant monitoring, problem loan management, early warning indicators, and credit surveillance
Review pertinent credit and financial information and determine need for further investigation or additional information
Analyze financial information and complete credit analyses for commercial transactions, including risk ratings, risks, mitigants, trends, and issues
Identify suspicious activity or actions contrary to customer’s interest in existing portfolios
Partner proactively with relationship managers throughout the credit process to maintain timely and accurate risk ratings
Prepare supporting financial models and schedules for transactions
Attend client/prospect calls to understand business and recommend risk ratings based on underwriting
Present analysis or address questions in credit discussions or committee presentations
Assist in monitoring credit policy compliance and comment on non-compliance risks
Adhere to compliance/operational risk controls, regulatory standards, and promote M&T Bank brand and belonging
Maintain internal control standards, implement audit points, and address regulator issues
Complete other duties as assigned

Skills

Credit Analysis

Financial Analysis

Credit Monitoring

Risk Rating

Financial Statements

Tax Returns

Due Diligence

Credit Bureaus

Appraisals

Industry Research

Peer Data Analysis

Covenant Monitoring

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters

1993Year Founded

IPOCompany Stage

Financial ServicesIndustries

10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.

Integration challenges from the United Bank merger may disrupt operations.

Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.

The bank offers a wide range of traditional and digital banking services.

Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.

Decreased prime rate may attract more borrowers, increasing loan volume.

Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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