Credit Analyst II at M&T Bank

Akron, Ohio, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Ability to provide independent analysis of credit quality for loan relationships of average to above average complexity
Knowledge to determine borrower’s financial condition and ability to repay
Expertise in reviewing credit facility requests for compliance with structural, corporate policies, procedures, and government regulations
Skill in preparing accurate credit approval documents outlining material strengths and weaknesses
Capability to recommend appropriate risk ratings for borrowers or specific loans
Experience supporting credit and lending staff with above average complexity analysis
Proficiency in conducting annual credit reviews
Working knowledge of commercial loan documentation, agreements, leases, contracts, and legal technical documentation
Ability to identify necessary documentation for loan files and to perfect common collateral types
Competence in reviewing loan terms, conditions, sources, and uses for policy compliance
Skills in conducting background checks and credit bureau inquiries via third-party vendors
Demonstrated working knowledge to analyze higher-risk and/or specialized industries (e.g., automobile dealers, land acquisition/development, contractors, healthcare, ESOPs, water/sewer authorities, municipalities)
Proficiency in efficient and accurate spreading of financial statements and production of moderately to above average complex cash flow/project analysis
Knowledge to perform detailed analysis of Balance Sheet, Income Statement, Statement of Cash Flow, and project cash flow, evaluating credit capacity and identifying assumptions
Ability to analyze multiple collateral types per bank policies and relate shortfalls to Relationship Managers
Capability to analyze and identify historic trends in customer’s business impacting repayment capacity
Skills in researching, analyzing, and interpreting industry/market data and trends
Ability to identify appropriate financial covenants per credit policy/procedures

Responsibilities

Determine if underwriting information adheres to bank policy, procedures, and regulatory requirements; report non-compliance to relationship manager and supervisor
Research and demonstrate working knowledge of commercial loan documentation, agreements, leases, contracts, and legal documents; identify documentation needed for loan files and collateral perfection
Review loan terms, conditions, and transaction sources/uses for minimum credit policy compliance; identify improper structure and report to supervisor/relationship managers
Conduct background checks and credit bureau inquiries via third-party vendors to prevent fraud and assess applicant character
Analyze higher-risk and/or specialized industries common in commercial lending
Spread financial statements accurately and produce complex cash flow/project analysis per bank procedures; perform detailed financial analysis and evaluate collateral
Analyze and identify pertinent historic business trends; communicate impact on repayment capacity; research and interpret industry/market data
Identify appropriate financial covenants per policy/procedures and report to Support Manager during underwriting
Identify significant credit issues through strengths/weaknesses in credit presentations; detail methodology used
Work closely with other departments (e.g., secured credit) to address collateral strengths/weaknesses in credit facilities

Skills

Credit Analysis

Underwriting

Loan Documentation

Regulatory Compliance

Risk Rating

Financial Analysis

Credit Bureau

Background Checks

Collateral Perfection

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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