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M&T Bank · 4 days ago

Commercial Credit Senior Analyst, Private Banking

Timonium, MD

Full-time

Onsite

Mid, Senior Level

$79K/yr - $131K/yr

2+ years exp

M&T Bank is a financial institution seeking a Commercial Credit Senior Analyst for their Commercial Credit team. The role involves underwriting and monitoring a portfolio of credit relationships, performing analyses to assess creditworthiness, and managing ongoing credit risk.

Financial Services

H1B Sponsor Likely

Responsibilities

Facilitate the credit needs of customers by underwriting 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 deal 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, financial models, and guarantor statement analysis as appropriate

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

Prepare summary, present facts, and offers opinions concerning credit-worthiness

Present analysis or address questions during credit request discussions or committee presentations

Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance

Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management

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 related duties as assigned

Qualification

Commercial credit analysisFinancial modelingCredit risk assessmentMicrosoft OfficeAnalytical skillsCapital IQFactSetBloombergVerbal communicationWritten communicationCritical thinkingProblem-solvingAttention to detailOrganizational skillsTime managementInterpersonal skills

Required

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

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 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

Customer focused with strong interpersonal skills

Proficiency with Microsoft Office

Preferred

Experience With Capital IQ, FactSet, And Bloomberg Preferred

Company

M&T Bank

Glassdoor3.6

Great companies have an enduring sense of purpose.

Founded in 1856

Buffalo, New York, US

10001+ employees

http://www.mtb.com

H1B Sponsorship

M&T Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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2025 (116)

2024 (113)

2023 (84)

2022 (103)

2021 (42)