M&T BankPosted 3 weeks ago

Commercial Credit Senior Associate

M&T BankPosted 3 weeks ago

$113,300–$188,800 year

On-siteBaltimore, Maryland, United States

Baltimore, Maryland, United StatesOn-siteFull Time$113,300–$188,800 yearSenior LevelBANKINGEnterprise

Full TimeSenior LevelEnterpriseBANKING

Job Summary

Underwrite new commercial loan requests and manage material modifications from deal screen through approval, conducting continuous credit monitoring to identify emerging risks and assign accurate risk ratings. Analyze financial statements, tax returns, and due diligence reports to complete credit analyses, prepare financial models, and recommend loan structures including terms, conditions, and collateral. Partner with relationship managers on client calls and committee presentations to facilitate sound lending decisions while ensuring adherence to credit policies and regulatory requirements. Identify suspicious activity and coordinate additional investigations as needed. Input into the development and training of junior analysts.

Required Qualifications

Bachelor's degree in Accounting, Finance, Economics, or related field
5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
In lieu of a degree, a combined minimum 9 years' higher education and work experience, to include 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
Strong analytical skills
Proficiency in financial modeling
Analysis of credit metrics
Ability to calculate and interpret financial ratios
Analysis of data
Completion of trend analysis
Understanding and negotiating legal documentation
Structural analysis
Ability to structure transactions independently
Excellent verbal and written communication skills
Critical thinking and problem-solving abilities
Attention to detail
High level of accuracy
Ability to work independently
Ability to work as a part of a team
Strong organizational and time management skills
Customer focused mindset
Strong interpersonal and relationship building skills
Proficiency in Microsoft Office
Deep understanding of financial regulatory environment
Understanding of underwriting parameters
Ability to recommend risk ratings
Ability to prepare summary, present facts, and offer opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Suggestions on terms, conditions, controls, collateral, and guarantors
Ability to identify suspicious activity
Ability to identify activity contrary to customer's interest
Ability to partner proactively with relationship managers
Ability to maintain timely and accurate risk ratings
Ability to prepare cash flow
Ability to prepare collateral schedules
Ability to prepare covenant sensitivity calculations
Ability to prepare financial models
Ability to prepare guarantor statement analysis
Ability to attend client/prospect calls
Ability to gain a thorough understanding of the client/prospect and their business
Ability to effectively analyze and underwrite the proposed transaction
Ability to make appropriate structure recommendations
Ability to evaluate scenarios including the company's case, bank's base case and a downside case
Ability to write independent credit quality assessments
Ability to identify and describe credit risks and mitigants
Ability to identify industry concerns
Ability to identify market trends
Ability to identify financial trends
Ability to identify other pertinent credit issues
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to lead a transaction execution team
Ability to partner with a Commercial Credit Analyst
Ability to input into the development of and training of junior/newly hired Analysts
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation
Ability to make appropriate structure recommendations based on an analysis and evaluation of scenarios
Ability to prepare summary, present facts, and offers opinions concerning credit-worthiness
Ability to assist in the structure of loan requests
Ability to make suggestions on terms, conditions, controls, collateral, and guarantors
Ability to display deep understanding of financial regulatory environment
Ability to ensure credit policy compliance
Ability to verify adherence of underwriting to the Commercial Credit Policy
Ability to evaluate any risk associated with non-compliance
Ability to present analysis or address questions during credit request discussions or committee presentations
Ability to understand and adhere to the Company's risk and regulatory standards, policies and controls
Ability to adhere to the Company's Risk Appetite
Ability to identify risk-related issues needing escalation to management
Ability to promote an environment that supports belonging
Ability to reflect the M&T Bank brand
Ability to maintain M&T internal control standards
Ability to implement timely internal and external audit points
Ability to address issues raised by external regulators
Ability to complete other related duties as assigned
Ability to analyze financial statements
Ability to monitor loan portfolio
Ability to ensure compliance with credit policies and regulatory requirements
Ability to facilitate the credit needs of customers
Ability to underwrite new requests
Ability to underwrite material modifications
Ability to recommend adding or removing conditions
Ability to manage the ongoing credit risk of existing loan portfolios
Ability to enable the timely identification of emerging credit risk
Ability to take appropriate actions to manage the risk
Ability to assign an accurate risk rating
Ability to coordinate gathering of additional information
Ability to complete the credit analyses for the Bank's commercial transactions
Ability to review all pertinent credit and financial information
Ability to determine the need for more thorough investigation

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