Senior Credit Analyst II at M&T Bank

Akron, Ohio, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Expert in the analysis of higher-risk and/or specialized industries common in commercial lending transactions, including but not limited to: REITs, Asset Based Lending, automobile dealers, land acquisition and development, energy companies, contractors, healthcare providers

Responsibilities

Evaluate loan requests typically between $10,000,000 - $20,000,000 for appropriate structure and acceptable use of loan funds
Provide an independent analysis of credit quality for the most complex loan relationships at the bank to determine borrower’s financial condition and ability to repay
Concentrate on middle market, upper middle market, syndications, shared national credits, complex participations and land acquisition and development loans with a focus on REITs and Asset Based Lending transactions and other specialized lending as needed
Review credit facility requests to determine compliance with Corporate policies and procedures and ensure that proposed transactions comply with government regulation
Prepare highly accurate credit approval documents with minimal supervision, in accordance with Department procedures, which outline the material strengths and weaknesses of the proposed transaction(s)
Assign appropriate risk ratings to borrowers or specific loans
Perform reviews on banks engaged in buy-side or sell-side participations or syndications with the bank
Mentor junior analysts on underwriting specialized products including land acquisition and development loans, REITs and Asset Based Lending
Provide periodic training to Credit Department analysts on underwriting specialized products including land acquisition and development loans, REITs and Asset Based Lending
Determine whether information submitted for underwriting meets bank policy and procedures as well as regulatory requirements for commercial credit applications
Research and accurately interpret commercial loan documentation, agreements, leases, contracts, and other technical documentation of a legal nature
Identify the documentation necessary to complete a loan documentation file for all commercial products offered and to perfect all types of collateral
Review loan terms and conditions and transaction sources and uses for complex requests to determine appropriateness of loan structure and reasonableness of loan purpose
Identify improper structure and make recommendations to Relationship Managers, lending management and/or credit approval authorities for improving loan structure
Conduct background checks and credit bureau inquiries via third party vendors to prevent fraud and assess the overall character of credit applicants

Skills

Credit Analysis

Loan Underwriting

Risk Rating

Financial Analysis

Loan Structuring

REITs

Asset Based Lending

Syndications

Shared National Credits

Regulatory Compliance

Loan Documentation

Commercial Lending

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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