Commercial Credit Lead, Dealer Commercial Services
M&T BankSalary not specified
Full Time
Senior (5 to 8 years), Expert & Leadership (9+ years)
Not SpecifiedCompensation
Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Telecommunications, Media, Aerospace, Defense, Financial ServicesIndustries
Requirements
- Bachelor’s degree in Accounting, Finance or related field of study
- 1 to 5 years of experience in credit markets, including formal credit training and financial analysis and modeling
- Prior investment banking experience a plus
- Broadly Syndicated Loan Market experience preferred
- CPA, CFA and/or MBA a plus
- Demonstrated understanding of GAAP principles/financial analysis/valuation/modeling
- Ability to forecast/project based on drivers of applicable business
- Demonstrated ability to interpret/analyze Quality of Earnings reports; understand/opine on Adjustments to EBITDA
- Ability to calculate figures and amounts used in Discounted Cash Flow and Net Present Value exercises
- Ability to assess Relative Value, based on yield calculations, internal/external ratings considerations, and credit metrics
- Ability to interact with outside institutions in professional manner
- Ability to write correspondence and/or reports in a thoughtful, well organized manner
- Ability to effectively present information to customers, clients and other employees of the organization
- Ability to read, analyze and interpret financial reports and/or legal documentation, including defining issues, collecting data, and drawing valid conclusions
- Demonstrated competence with respect to overall macro factors and subsector trends/allocations
- Demonstrated competence with Microsoft Excel, Word, PowerPoint
- Demonstrated competence in use of Bloomberg
- Demonstrated competence with Moody’s/S&P online platforms for ratings/industry analysis
- Ability to learn/adapt to technological platforms OFS employs on proprietary basis
Responsibilities
- Monitor respective investments in the Telecom and Media, Aerospace and Defense, and Financial Services sectors within the Leveraged Loan market
- Present written analysis on individual credits including but not limited to: business outlook, industry dynamics, company management, deal sponsor, capital structure, key credit agreement terms, collateral profile, cash flow projections/sensitivity analysis, comparable analysis, and relative value
- Research investments incorporating fundamental analysis of companies within the leveraged loan space
- Build/maintain financial models, prepare written investment memoranda and quarterly/annual portfolio management reports
- Research potential investments based on “Relative Value” that incorporate criteria such as yields, credit statistics and industry tailwinds/headwinds
- Assist in preparation of sector presentations on a periodic basis, providing current state of industry, company comparisons, valuations, new ideas, trends, etc. to the Investment Committee
- Maintain high level of knowledge on current/evolving industry trends and monitor primary and secondary credit market activity in the leveraged loan/high yield space via networking/conversation with research analysts, third parties, and colleagues within the leveraged loan space
Skills
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What experience level is required for the Credit Analyst role?
The role requires 1 to 5 years of experience in credit markets, including formal credit training and financial analysis and modeling. Prior investment banking experience is a plus, and Broadly Syndicated Loan Market experience is preferred but not necessary.
What education is required for this position?
A Bachelor’s degree in Accounting, Finance or related field of study is required. CPA, CFA and/or MBA are a plus.
What key skills are needed for the Credit Analyst position?
Key skills include demonstrated understanding of GAAP principles/financial analysis/valuation/modeling, ability to forecast/project based on business drivers, interpret Quality of Earnings reports, understand Adjustments to EBITDA, and calculate Discounted Cash Flow and Net Present Value figures.
What sectors will the Credit Analyst cover?
The analyst will monitor investments in the Telecom and Media, Aerospace and Defense, and Financial Services sectors within the Leveraged Loan market.
Is the salary or compensation specified for this role?
This information is not specified in the job description.
CIM Group
Real estate and infrastructure development and management
About CIM Group
CIM Group focuses on real estate and infrastructure, operating as an owner, operator, lender, and developer. The company targets urban areas with significant growth potential, acquiring, developing, and managing properties while also providing loans for real estate projects. Revenue is generated through property rentals, sales, and lending activities. CIM serves a variety of clients, including investors, businesses, and community organizations, and has worked on notable projects like the Dolby Theatre in Hollywood and the Tribune Tower in Chicago. What sets CIM apart from competitors is its strong commitment to community engagement, demonstrated through initiatives such as preparing meals for those with chronic illnesses and creating community gardens. The goal of CIM Group is to be the leading partner for investors and users of real assets that benefit communities.
Los Angeles, CaliforniaHeadquarters
1994Year Founded
$559.3MTotal Funding
DEBT_FINANCINGCompany Stage
Government & Public Sector, Real EstateIndustries
1,001-5,000Employees
Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Unlimited Paid Time Off
Paid Vacation
Paid Sick Leave
Paid Holidays
Bereavement Leave
Hybrid Work Options
401(k) Retirement Plan
401(k) Company Match
Paid Parental Leave
Professional Development Budget
Wellness Program
Volunteer Time Off
Risks
Rising interest rates could impact CIM's real estate financing costs.
Remote work trends may reduce demand for CIM's commercial office spaces.
Stricter environmental regulations could increase compliance costs for CIM.
Differentiation
CIM Group focuses on community impact through real estate and infrastructure projects.
The company integrates ESG initiatives into its investment and development strategies.
CIM's diverse expertise spans from due diligence to asset disposition.
Upsides
CIM benefits from increased demand for mixed-use developments in urban areas.
The trend towards sustainable building practices aligns with CIM's ESG focus.
CIM's integration of smart technology attracts tenants and buyers.
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