[Remote] Commercial Credit Senior Associate - Corporate / Institutional at M&T Bank

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

Analyze financial statements and related materials to assess credit quality
Prepare written analyses, including independent credit quality assessments and risk ratings
Identify and describe credit risks and mitigants
Evaluate industry concerns, market trends, financial trends, and other pertinent credit issues
Develop and implement structure recommendations for credit transactions
Prepare financial models and cash flow schedules
Conduct client/prospect calls to understand client business and analyze proposed transactions
Recommend risk ratings and structure loan requests
Ensure compliance with credit policies and regulatory requirements
Evaluate risk associated with non-compliance with credit policies
Adhere to Company's risk and regulatory standards, policies, and controls

Responsibilities

Focus on transaction execution and portfolio management
Partner with senior team members on complex transactions
Facilitate credit needs of customers by underwriting new requests and material modifications
Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring
Identify emerging credit risk and take appropriate actions to manage risk
Review and analyze financial information, including financial statements, tax returns, due diligence reports, credit bureaus, and appraisals
Complete credit analyses for commercial transactions
Coordinate gathering of information to support credit analyses
Analyze financial information and complete credit analyses
Prepare written analyses and risk ratings

Skills

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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