PCLC Senior Portfolio Risk Analyst at M&T Bank

Bridgeport, Connecticut, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Equipment Finance, Financial ServicesIndustries

Requirements

Bachelors’ degree in Accounting, Finance, or related discipline and a minimum of 2 years’ related work experience, or in lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience

Responsibilities

Complete continuous credit monitoring (CCM) for a portfolio of equipment finance loan and lease clients for more complex credits
Provide an independent credit quality assessment of the Bank's larger loan and lease clients identifying appropriate risk rating, credit risks and mitigates, industry concerns, market trends, financial trends, and other pertinent credit issues
Individually assess ongoing risk of an assigned portfolio with exposures up to $10 mm, including direct and indirect syndication relationships and group participations
Support various regions in terms of credit analysis functions by partnering proactively with sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customer financial position, including evaluation of loan agreement compliance
Evaluate and determine ongoing credit risks and corresponding risk rating of loan and lease clients through detailed financial statement spreading and analysis, industry assessment, collateral valuation, cash flow analysis and ability to repay annual debt service
Mentor less experienced analysts as required
Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed
Maintain collateral worklogs, track floor planning, and report on industry-specific risk profiles for aviation, marine and/or truck transportation as required
Maintain account specific worklogs
Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits
Prepare for, and present at, quarterly portfolio risk analyst meetings with senior management
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite
Identify risk-related issues needing escalation to management
Promote an environment that supports belonging and reflects the M&T Bank brand
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Complete other related duties as assigned

Skills

Credit Risk Analysis

Financial Statement Spreading

Cash Flow Analysis

Collateral Valuation

Risk Rating

Loan Agreement Compliance

Industry Risk Assessment

Financial Analysis

Accounting Pronouncements

Portfolio Monitoring

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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