Senior Credit Analyst II at M&T Bank

Newcastle, England, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Expertise in evaluating loan requests typically between $10,000,000 - $20,000,000 for structure and use of funds
Ability to provide independent analysis of credit quality for complex loan relationships, including middle market, upper middle market, syndications, shared national credits, complex participations, land acquisition and development loans, REITs, and Asset Based Lending
Proficiency in reviewing credit facility requests for compliance with corporate policies, procedures, and government regulations
Skill in preparing highly accurate credit approval documents with minimal supervision, outlining strengths and weaknesses
Capability to assign appropriate risk ratings to borrowers or loans
Experience reviewing banks in buy-side or sell-side participations or syndications
Ability to mentor junior analysts and provide periodic training on underwriting specialized products (land acquisition/development, REITs, Asset Based Lending)
Expert knowledge of higher-risk/specialized industries (REITs, Asset Based Lending, automobile dealers, land acquisition/development, energy, contractors, healthcare, municipalities)
Advanced financial and quantitative analysis skills to evaluate repayment ability and performance vs. peers/industry benchmarks
Ability to interpret/resolve complex financial problems from incomplete data

Responsibilities

Determine if underwriting information meets bank policy, procedures, and regulatory requirements for commercial credits
Research and interpret commercial loan documentation, agreements, leases, contracts; identify docs needed to perfect collateral
Review loan terms, conditions, sources/uses for complex requests; assess structure/purpose, recommend improvements to managers/authorities
Conduct background checks and credit bureau inquiries to prevent fraud and assess character
Analyze higher-risk/specialized industries in commercial lending
Use advanced techniques to evaluate financials for debt repayment and performance benchmarking
Interpret/resolve complex financial problems, adjust figures, source data, complete calculations
Recommend financial covenant structures and definitions for large commercial loans
Identify significant credit issues during underwriting

Skills

Credit Underwriting

Financial Analysis

Risk Rating

Loan Structuring

REITs

Asset Based Lending

Syndications

Shared National Credits

Land Acquisition Loans

Regulatory Compliance

Credit Approval Documents

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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