Commercial Credit Analyst: Underwriting & Portfolio Risk

M&T Bank Corporation; Buffalo (NY); On-site; USD 62,000 - 104,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY seeks aCommercial Credit Analyst to support underwriting and ongoing monitoring of a loan portfolio. You will analyze financials, prepare credit analyses, and assist in structuring deals throughout the life of the loan.

The role requires a degree in Accounting/Finance/Economics or equivalent experience, strong communication, analytical skills, and proficiency with MS Office.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related field and a minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience.
• Strong verbal and written communication skills.
• Strong analytical ability.
• Critical thinking and problem-solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time management skills.
• Ability to work independently and as a part of a team.
• Customer focused with strong interpersonal skills.
• Proficiency with Microsoft Office.

Responsibilities

• Analyze new requests and material modifications from deal screen through approval and for the life of the loan.
• Monitor ongoing credit risk of existing loan portfolios through CCM activities to identify emerging risk.
• Prepare independent credit analyses with risk ratings, mitigants, and industry/market considerations.
• Spread financial statements and prepare cash flow, collateral schedules, and covenant sensitivity calculations.
• Enter data into bank systems and attend client/prospect calls with relationship managers.
• Support compliance with Commercial Credit Policy and risk controls.

Skills

Communication skills

Analytical ability

Critical thinking

Attention to detail

Organizational skills

Independent work

Customer focus

Microsoft Office

Education

Bachelor’s degree in Accounting/Finance/Economics or related field

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank Corporation in Buffalo, NY seeks aCommercial Credit Analyst to support underwriting and ongoing monitoring of a loan portfolio. You will analyze financials, prepare credit analyses, and assist in structuring deals throughout the life of the loan.

The role requires a degree in Accounting/Finance/Economics or equivalent experience, strong communication, analytical skills, and proficiency with MS Office.