Commercial Credit Analyst, Healthcare at M&T Bank

Rochester, 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

Healthcare, Banking, Financial ServicesIndustries

Requirements

Ability to analyze new credit requests and material modifications from deal screen through approval and for the life of the loan, including recommending conditions
Proficiency in managing ongoing credit risk through continuous credit monitoring (CCM) activities, including annual reviews, interim update memos, covenant monitoring, problem loan management, and early warning indicators
Skill in reviewing credit and financial information such as financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data
Capability to determine the need for additional investigation or information
Experience in analyzing financial information and completing credit analyses, including independent credit quality assessment, risk rating, identification of risks and mitigants, industry concerns, market trends, and financial trends
Ability to make structure recommendations based on company case, bank's base case, and downside case scenarios
Competence in identifying suspicious activity or activity contrary to customer’s interest
Strong partnership skills with relationship managers (RMs) throughout the credit process
Proficiency in spreading financial statements and preparing financial/projection models, cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis
Accuracy in entering data into Bank systems
Ability to attend client/prospect calls, understand business, recommend risk ratings, and present analysis in discussions or committees
Knowledge of monitoring credit policy compliance and commenting on non-compliance risks
Understanding of compliance/operational risk controls, Company/regulatory standards, and policies
Commitment to promoting belonging, M&T Bank brand, internal control standards, audit implementation, and regulatory issues

Responsibilities

Facilitate customer credit needs by analyzing new requests and modifications throughout the loan lifecycle
Manage ongoing credit risk of existing portfolios via CCM to identify emerging risks, minimize losses, and assign accurate risk ratings
Review all pertinent credit and financial information and determine need for further investigation
Analyze financial information and complete written credit analyses for commercial transactions
Make structure recommendations based on scenario analyses
Identify suspicious or contrary activity in portfolios
Partner with RMs throughout the credit process to maintain timely risk ratings
Spread financial statements and prepare models, schedules, and analyses as needed
Enter complete and accurate data into Bank systems
Attend client/prospect calls to understand business and support underwriting
Present analysis or address questions in credit discussions or committees
Assist in monitoring credit policy compliance
Adhere to compliance/operational risk controls and standards
Promote belonging and M&T Bank brand
Maintain internal control standards and address audit/regulatory issues
Complete other duties as assigned

Skills

credit analysis

financial analysis

credit underwriting

risk assessment

financial statements

tax returns

due diligence

credit monitoring

covenant monitoring

industry research

peer analysis

risk rating

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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