Commercial Credit Analyst: Risk & Underwriting Expert

mtb; New York (NY); On-site; USD 70,000 - 110,000; Full time

Job summary

M&T Bank in New York is seeking a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform analysis, identify risk issues, and contribute to sections of credit analyses.

The role involves structuring recommendations, maintaining timely risk ratings, and collaborating with relationship managers throughout the credit lifecycle. Strong financial analysis and communication with clients are essential.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics or related field.
• Minimum of 1 year of work experience in commercial credit, public accounting, financial statement preparation/analysis or related financial analysis; or a combined 5 years of higher education and experience.

Responsibilities

• Analyze financial statements and related materials to assess creditworthiness.
• Prepare credit analyses with independent quality assessment and risk rating.
• Monitor ongoing credit risk and prepare covenant sensitivity calculations and cash flow projections.

Skills

Financial statement analysis

Credit risk assessment

Cash flow modeling

Risk rating

Client communication

Education

Bachelor's degree in Accounting, Finance, Economics or related field

Job description

M&T Bank in New York is seeking a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform analysis, identify risk issues, and contribute to sections of credit analyses.

The role involves structuring recommendations, maintaining timely risk ratings, and collaborating with relationship managers throughout the credit lifecycle. Strong financial analysis and communication with clients are essential.