Senior Commercial Credit Underwriter & Risk Analyst

M&T Bank

Baltimore (MD)

On-site

USD 79,000 - 131,000

Full time

14 days+

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Job summary

M&T Bank is seeking a Commercial Credit Analyst in Baltimore to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will analyze financial information, prepare credit analyses with risk ratings, and collaborate with relationship managers through the deal lifecycle.

Required 2 years of commercial credit or related financial analysis experience and a Bachelor's degree in Accounting, Finance, or Economics.

Qualifications

Bachelor's degree in Accounting, Finance, Economics or related field.
2 years’ experience in commercial credit, public accounting, financial statement prep/analysis or other financial analysis.
In lieu of a degree, a combined minimum 6 years' higher education and work experience to include 2 years’ experience in commercial credit, public accounting, financial statement prep/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 part of a team.
Customer focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Experience with Capital IQ, FactSet, and Bloomberg preferred.
Experience with Not for Profit underwriting.
Experience with nCino.

Responsibilities

Underwrite new requests and modifications from deal screen through approval and for the life of the loan.
Monitor ongoing credit risk of existing loan portfolios through CCM activities.
Review financial statements, tax returns, due diligence, credit bureaus and appraisals for creditworthiness.
Analyze financial information and complete credit analyses with a clear risk rating and mitigants.
Make structure recommendations based on base and downside scenarios.
Identify suspicious activity in ongoing portfolios and potential misalignment with customer interests.
Collaborate with relationship managers throughout the deal process and prepare financial projections.
Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models and guarantor analysis.
Attend client/prospect calls to understand business and assess risk.
Present facts and opinions on credit-worthiness during discussions and committee presentations.
Ensure compliance with Commercial Credit Policy and risk/regulatory standards.
Promote an inclusive environment and align with M&T Bank brand.