Commercial Credit Senior Analyst at M&T Bank

Radnor Twp, Pennsylvania, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Ability to perform supporting analysis, identify risk issues, and complete sections of credit analysis to assess creditworthiness of commercial clients
Knowledge of underwriting processes from deal screen through approval and loan life, including recommending conditions
Proficiency in continuous credit monitoring (CCM) activities, including annual reviews, interim memos, covenant monitoring, problem loan management, early warning indicators, and credit surveillance
Skills in reviewing credit and financial information (financial statements, tax returns, due diligence, credit bureaus, appraisals, internal data, industry research, peer data) and determining need for further investigation
Expertise in analyzing financial information and completing written credit analyses with independent credit quality assessment, risk ratings, risk identification/mitigants, industry/market/financial trends
Ability to make structure recommendations based on company case, bank's base case, and downside case scenarios
Capability to identify suspicious activity or actions contrary to customer's interest
Experience partnering with relationship managers (RMs) throughout deal process, spreading financial statements, preparing financial/projection models, cash flow/collateral schedules, covenant sensitivity, guarantor analysis
Comfort attending client/prospect calls to understand business and recommend risk ratings based on underwriting parameters
Skills in preparing summaries, presenting facts/opinions on credit-worthiness, and addressing questions in credit discussions/committee presentations
Understanding of credit policy compliance, verifying adherence to Commercial Credit Policy, and commenting on non-compliance risks
Adherence to company's risk/regulatory standards, policies, controls, Risk Appetite; identifying/escalating risk issues
Commitment to promoting belonging, M&T Bank brand, internal control standards, audit/regulatory issue implementation

Responsibilities

Facilitate customer credit needs by underwriting new requests/material modifications from deal screen through approval and loan life, recommending conditions as needed
Manage ongoing credit risk of existing loan portfolios via CCM to identify emerging risks, minimize losses, assign accurate risk ratings
Review pertinent credit/financial information and determine need for additional investigation
Analyze financial materials and complete credit analyses for commercial transactions, including risk ratings, risks/mitigants, trends, issues
Make structure recommendations based on scenario analyses
Identify suspicious or contrary activity in portfolios
Partner with RMs throughout deal process, spread statements, prepare models/schedules/calculations/analysis
Attend client/prospect calls to understand business and recommend risk ratings
Prepare summaries, present facts/opinions on credit-worthiness
Present analysis or answer questions in credit discussions/committee presentations
Ensure credit policy compliance and comment on non-compliance risks
Adhere to risk/regulatory standards, escalate issues
Promote belonging and M&T brand; maintain internal controls, implement audits/regulatory points
Complete other related duties as assigned

Skills

Credit Underwriting

Credit Analysis

Financial Analysis

Risk Assessment

Portfolio Monitoring

Covenant Monitoring

Financial Statements

Tax Returns

Due Diligence

Appraisals

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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