Senior Commercial Credit Risk Analyst

M&T Bank Corporation; Radnor (Delaware County); On-site; USD 79,000 - 131,000; Full time

Job summary

M&T Bank Corporation is seeking a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform analyses, identify risk issues, and contribute to sections of credit analysis to assess creditworthiness.

The role involves cash flow modeling, covenant analysis, and collaboration with relationship managers through the life of the loan. Location in Radnor, PA, with emphasis on accuracy, risk identification, and adherence to credit

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.
• Critical thinking and problem-solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time management skills.
• Ability to work independently and as a part of a team.

Responsibilities

• Underwrite new requests and modifications from deal screen through approval and for the life of the loan.
• Manage ongoing credit risk through CCM activities and timely risk assessment.
• Review financial statements, tax returns, due diligence reports and other credit documents.
• Prepare credit analyses with risk ratings, mitigants, and market trends.
• Present analysis and recommendations to credit committees and RM teams.

Skills

Credit underwriting

Financial modeling

Credit risk analysis

Microsoft Office

Communication skills

Education

Bachelor's degree in Accounting, Finance, Economics

Equivalent combination of higher education and work experience

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank Corporation is seeking a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will perform analyses, identify risk issues, and contribute to sections of credit analysis to assess creditworthiness.

The role involves cash flow modeling, covenant analysis, and collaboration with relationship managers through the life of the loan. Location in Radnor, PA, with emphasis on accuracy, risk identification, and adherence to credit