Commercial Credit Senior Analyst, C&I

M&T Bank; Radnor (Delaware County); On-site; USD 65,000 - 90,000; Full time

Job summary

M&T Bank is seeking a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will prepare analyses, assess risk, and contribute to the credit decision process throughout the loan life cycle.

The role involves working closely with relationship managers, reviewing financial documentation, and producing clear credit insights and risk assessments to guide lending decisions.

Qualifications

• Bachelor's degree in accounting, finance, economics or related field; 2 years in commercial credit or financial analysis.
• In lieu of a degree, 6 years of relevant hi may apply.

Responsibilities

• Underwrite new requests and modifications from screen through approval and for the life of the loan.
• Conduct ongoing credit risk monitoring and timely risk identification with CCM activities.
• Review financial statements, tax returns, appraisals and other documents to assess creditworthiness.
• Prepare independent credit analyses with risk ratings and mitigants.
• Develop structure recommendations based on various scenarios and risk assessments.
• Collaborate with relationship managers throughout the deal process and maintain accurate risk ratings.

Skills

Underwriting

Credit analysis

Financial analysis

Cash flow

Financial spreads

Risk rating

Relationship mgmt

Education

Bachelor's in Accounting/Finance

Tools

Excel

PowerPoint

Job description

Overview

A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.

Primary Responsibilities

• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.
• Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
• Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
• As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
• Partner proactively with relationship managers (RM) and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
• Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
• Prepare summary, present facts, and offers opinions concerning credit-worthiness.
• Present analysis or address questions during credit request discussions or committee presentations.
• Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
• Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Scope of Responsibilities

Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions. The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals as well as other internal personnel on credit approvals. Customer interaction is expected. Works independently with limited supervision.

Supervisory/Managerial Responsibilities

N/A

Education and Experience Required

Bachelor's degree in Accounting, Finance, Economics or related field and 2 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 6 years' hi