Senior Commercial Credit Analyst - Underwriting & Risk

M&T Bank Corporation; Baltimore (MD); On-site; USD 79,000 - 131,000; Full time

Job summary

M&T Bank Corporation in Baltimore, MD is seeking a Commercial Credit professional to support underwriting and ongoing monitoring of a portfolio of commercial relationships.

You will analyze financial information, prepare models and cash flows, make risk assessments, and work with relationship managers to ensure timely risk ratings and compliance.

Strong analytical skills, attention to detail, and proficiency with financial analysis tools are required.

Qualifications

• 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.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Strong verbal and written communication skills.
• Proficiency with Microsoft Office.

Responsibilities

• Underwrite new requests and modifications from screen through approval and for the life of the loan.
• Monitor ongoing credit risk with CCM activities including annual reviews and covenant monitoring.
• Spread financial statements and prepare cash flow analyses and projection models.
• Review financial statements, tax returns, due diligence reports, and industry data to assess creditworthiness.
• Present analysis and risk ratings to committees and ensure compliance with credit policy.

Skills

Credit analysis

Financial modeling

Analytical thinking

Communication skills

Attention to detail

Team collaboration

Education

Bachelor's degree in Accounting/Finance/Economics or related field

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank Corporation in Baltimore, MD is seeking a Commercial Credit professional to support underwriting and ongoing monitoring of a portfolio of commercial relationships.

You will analyze financial information, prepare models and cash flows, make risk assessments, and work with relationship managers to ensure timely risk ratings and compliance.

Strong analytical skills, attention to detail, and proficiency with financial analysis tools are required.