Commercial Credit Underwriter & Risk Analyst

M&T Bank; United States; In loco; USD 86.000 - 143.000; Tempo pieno

Descrizione del lavoro

M&T Bank in Alabama is seeking a Commercial Credit Associate to assess and manage credit risk for commercial clients. You will underwrite loans, monitor ongoing credit health, and coordinate with relationship managers to maintain accurate risk ratings throughout the loan life cycle.

Responsibilities include analyzing financial statements, preparing cash flow and covenant analyses, and ensuring adherence to credit policies.

Competenze

• Bachelor's degree in Accounting, Finance, Economics or related field plus 4+ years in commercial credit or related financial analysis.
• Strong verbal and written communication skills; ability to analyze financial data and present clear conclusions.

Mansioni

• Underwrite new credit requests and modifications from screen through approval and for the life of the loan.
• Monitor existing portfolios via CCM activities to identify risk early and take appropriate action.
• Review financial statements, tax returns, appraisals and related data to assess credit risk.
• Develop independent credit quality assessments with risk ratings and mitigants.
• Collaborate with relationship managers to ensure timely risk ratings and proper structuring.
• Prepare cash flows, collateral schedules and covenant sensitivity analyses.

Conoscenze

Verbal communication

Written communication

Analytical skills

Financial modeling

Credit metrics analysis

Attention to detail

Time management

Team collaboration

MS Office

Regulatory awareness

Formazione

Bachelor's degree in Accounting/Finance/Economics

Strumenti

Capital IQ

FactSet

Bloomberg

Microsoft Office

Descrizione del lavoro

M&T Bank in Alabama is seeking a Commercial Credit Associate to assess and manage credit risk for commercial clients. You will underwrite loans, monitor ongoing credit health, and coordinate with relationship managers to maintain accurate risk ratings throughout the loan life cycle.

Responsibilities include analyzing financial statements, preparing cash flow and covenant analyses, and ensuring adherence to credit policies.