Commercial Credit & Portfolio Risk Analyst

M&T Bank Corporation; New York (NY); On-site; USD 76,000 - 127,000; Full time

Job summary

M&T Bank Corporation in New York, NY seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of commercial credits. You will analyze financial statements, prepare credit analyses, and contribute to risk ratings and covenant reviews.

You will collaborate with relationship managers, spread financials, and develop cash flow projections, identifying risks and mitigants while maintaining data accuracy in bank systems.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related field is required.
• Strong verbal and written communication skills and analytical ability.
• Experience with financial statement analysis, credit underwriting, and risk assessment.

Responsibilities

• Facilitate credit needs by analyzing new requests and modifications from deal screen through approval and for the life of the loan.
• Monitor ongoing credit risk of portfolios with CCM activities to identify emerging risks.
• Prepare independent credit analyses with risk ratings, mitigants, and industry concerns.

Skills

Verbal and written communication

Analytical ability

Critical thinking

Attention to detail

Time management

Teamwork

Microsoft Office

Education

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

5 years of higher education and/or work experience including commercial credit/financial analysis

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank Corporation in New York, NY seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of commercial credits. You will analyze financial statements, prepare credit analyses, and contribute to risk ratings and covenant reviews.

You will collaborate with relationship managers, spread financials, and develop cash flow projections, identifying risks and mitigants while maintaining data accuracy in bank systems.