Senior Commercial Credit Associate & Portfolio Lead

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

Job summary

M&T Bank seeks a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will analyze financial statements, underwrite new requests, and monitor loan portfolios to ensure adherence to credit policies.

The role partners with relationship managers and Credit Risk Management to facilitate sound lending decisions and effective portfolio management. Strong analytical and regulatory knowledge are essential.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics, or related field.
• 5 years’ experience in commercial credit, public accounting, financial statement prep/analysis or related financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Experience with and understanding of financial statements, tax returns, due diligence reports, and credit information.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval for the life of the loan.
• Analyze financial information and prepare credit analyses with independent risk rating and mitigants.
• Monitor ongoing credit risk via CCM activities, annual reviews, and covenant monitoring.
• Collaborate with relationship managers to maintain timely and accurate risk ratings.

Skills

Financial analysis

Credit risk assessment

Financial modeling

Analytical skills

Education

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

Tools

Capital IQ

FactSet

Bloomberg

nCino

Job description

M&T Bank seeks a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will analyze financial statements, underwrite new requests, and monitor loan portfolios to ensure adherence to credit policies.

The role partners with relationship managers and Credit Risk Management to facilitate sound lending decisions and effective portfolio management. Strong analytical and regulatory knowledge are essential.