Commercial Credit Analyst at M&T Bank in Baltimore, MD

Summary: M&T Bank is a financial institution seeking a Commercial Credit Analyst to support the underwriting and ongoing monitoring of credit relationships. The role involves analyzing credit requests, managing credit risk, and collaborating with relationship managers throughout the credit process. Responsibilities: - Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions - Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance - Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information - Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals - Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company’s case, bank’s base case and a downside case - As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer’s interest - Partner proactively with relationship managers (RM) and be intimately involved throughout the credit process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits - Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction. Prepare cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis as appropriate - Enter complete and accurate data into Bank systems in support of underwriting and portfolio management activities - Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating - Present analysis or address questions during credit request discussions or committee presentations - Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy and commenting on any risk associated with non-compliance - Understand and adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies - Promote an environment that supports belonging and reflects the M&T Bank brand - Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable - Complete other duties as assigned Required Qualifications: - Bachelor's degree in Accounting, Finance, Economics or related field - Minimum of one year's work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis - In lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including one year work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis - Strong verbal and written communication skills - Strong analytical ability - 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 - Customer focused with strong interpersonal skills - Proficiency with Microsoft Office Preferred Qualifications: - Experience with Capital IQ, FactSet, and Bloomberg Required Skills: Commercial credit analysis, Financial statement analysis, Financial modeling, Credit risk monitoring, Credit risk rating, Microsoft Office, Capital IQ, FactSet, Bloomberg