Impactful Affordable Housing Credit 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 seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform supporting analyses, identify risk issues, and complete sections of credit analysis to assess creditworthiness.

You will analyze financial statements, model cash flow, monitor risk ratings, and prepare covenants. Collaboration with relationship managers and adherence to credit policy are essential.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related field.
• Minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong verbal and written communication skills.
• Strong analytical ability and attention to detail.
• Proficiency with Microsoft Office.

Responsibilities

• Analyze new requests and modifications from deal screen through approval and for the life of the loan.
• Monitor ongoing credit risk with CCM activities and timely risk ratings.
• Review financial statements, tax returns, due diligence reports, and related documents.
• Prepare credit analyses with independent credit quality assessment and risk factors.
• Collaborate with relationship managers and participate in credit discussions/committees.
• Ensure compliance with Commercial Credit Policy and risk controls.

Skills

Analytical ability

Verbal & written communication

Attention to detail

Critical thinking

Time management

Teamwork

Education

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

Tools

Microsoft Office

Capital IQ

FactSet

Bloomberg

nCino

Job description

M&T Bank Corporation in New York seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform supporting analyses, identify risk issues, and complete sections of credit analysis to assess creditworthiness.

You will analyze financial statements, model cash flow, monitor risk ratings, and prepare covenants. Collaboration with relationship managers and adherence to credit policy are essential.