COMMERCIAL CREDIT SENIOR ASSOCIATE • COMMERCIAL CREDIT E&C
Core
Senior credit risk professional assessing and managing commercial loan portfolios, underwriting new transactions, and monitoring credit quality for M&T Bank's commercial clients.
Role type
Senior IC commercial credit analyst
Builds
Commercial loan portfolios and credit risk assessments
Domain
Banking / Commercial Finance
Required skills
Financial statement analysis, Credit underwriting, Portfolio management, Risk rating, Financial modeling, Covenant monitoring, Regulatory compliance, Scenario analysis, Legal documentation review, Cash flow analysis
Preferred skills
Capital IQ, FactSet, Bloomberg
Technologies
Microsoft Office, Capital IQ, FactSet, Bloomberg
Responsibilities
Analyze financial statements and complete credit analyses for commercial transactions; Monitor ongoing credit risk of existing loan portfolios through continuous credit monitoring activities; Partner with relationship managers to facilitate credit needs from deal screen through approval; Prepare financial models, cash flow schedules, and collateral schedules; Identify suspicious activity and ensure adherence to credit policies and regulatory requirements; Present credit-worthiness opinions and assist in structuring loan requests.
Seniority
Senior, hands-on IC