Senior Commercial Credit Analyst

M&T Bank Corporation; Bridgeport (CT); On-site; USD 126,000 - 209,000; Full time

Job summary

M&T Bank Corporation in Bridgeport, CT is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will underwrite new requests, monitor loan portfolios, and ensure compliance with credit policies and regulatory requirements, serving as a link between relationship managers and credit risk management.

You will spread financial statements, build financial models, and prepare analyses with risk ratings and mitigants.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field.
• 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
• Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
• Excellent verbal and written communication skills.
• Critical thinking and problem-solving abilities.
• Attention to detail and high level of accuracy.
• Ability to work independently and as a part of a team.
• Strong organizational and time management skills.
• Customer focused with strong interpersonal and relationship building skills.
• Proficiency in Microsoft Office.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and for the life of the loan.
• Manage ongoing credit risk of existing loan portfolios through CCM activities.
• Prepare independent credit quality assessment with risk rating and mitigants.
• Spread financial statements and prepare financial models for sensitivity analyses.
• Attend client/prospect calls with RMs to understand client business and transaction.
• Ensure credit policy compliance and regulatory adherence.

Skills

Credit analysis

Financial modeling

Financial ratios

Financial statement analysis

Verbal and written communication

Critical thinking

Attention to detail

Teamwork

Time management

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 Bridgeport, CT is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will underwrite new requests, monitor loan portfolios, and ensure compliance with credit policies and regulatory requirements, serving as a link between relationship managers and credit risk management.

You will spread financial statements, build financial models, and prepare analyses with risk ratings and mitigants.