M&T Bank
Commercial Credit Analyst - Financial Institutions
M&T Bank, Boston, Massachusetts, us, 02298
Commercial Credit Analyst - Financial Institutions
Join to apply for the
Commercial Credit Analyst - Financial Institutions
role at
M&T Bank
Locations available:
Boston, New York City, or Buffalo, MA
Overview:
A member of the Commercial Credit team that partners with senior members to support underwriting and ongoing monitoring of a portfolio of credit relationships. Responsible for performing analysis, identifying risk issues, and completing sections of credit analysis to assess the creditworthiness of commercial clients.
Primary 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; recommend adding or removing conditions.
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, identifying emerging risk so that appropriate actions can be taken.
Review all pertinent credit and financial information—including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data—to determine the need for further investigation.
Analyze financial information and complete credit analyses for the Bank’s commercial transactions; provide independent credit quality assessments with risk ratings, risk mitigants, industry concerns, market trends, and other pertinent issues.
Make structure recommendations based on analysis and evaluation of scenarios, including the company’s case, the Bank’s base case, and a downside case.
Identify suspicious or potentially contrary activity as part of ongoing portfolio risk management.
Partner with relationship managers throughout the credit process, from deal screen through approval and throughout the life of the loan.
Spread financial statements and prepare financial/projection models to sensitize various conditions impacting the proposed transaction.
Enter accurate data into Bank systems to support underwriting and portfolio management.
Attend client/prospect calls to understand the client’s business and recommend risk ratings based on underwriting parameters.
Present analysis and address questions during credit discussions or committee presentations.
Assist in monitoring credit policy compliance, verifying adherence to the Commercial Credit Policy.
Adhere to applicable compliance and operational risk controls in accordance with company or regulatory standards.
Promote an inclusive environment that reflects the M&T Bank brand.
Maintain internal control standards and implement audit points and regulator issues.
Complete other duties as assigned.
Scope of Responsibilities:
Corporate/Institutional designation includes FIG, Fund Banking, Institutional/REIT, Large Corporate, and Leveraged Lending. Commercial Credit handles credit delivery throughout the lifecycle, ensuring accurate risk ratings, financial statement spreads, and credit decisions.
Education and Experience Required:
Bachelor’s degree in Accounting, Finance, Economics, or related field and a minimum of one year’s experience in commercial credit, public accounting, or financial statement analysis; or an equivalent combination of higher education and work experience totaling five years.
Key Qualifications:
Strong verbal and written communication skills.
Strong analytical ability and critical thinking.
Attention to detail and high accuracy.
Strong organizational and time‑management skills.
Ability to work independently and within a team.
Customer‑focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Preferred Experience:
Knowledge of Capital IQ, FactSet, Bloomberg, and credit analysis of financial institutions.
Location:
Boston, Massachusetts, United States of America
The pay range for this position is $77,669.27 – $129,448.78 Annual (USD).
#J-18808-Ljbffr
Commercial Credit Analyst - Financial Institutions
role at
M&T Bank
Locations available:
Boston, New York City, or Buffalo, MA
Overview:
A member of the Commercial Credit team that partners with senior members to support underwriting and ongoing monitoring of a portfolio of credit relationships. Responsible for performing analysis, identifying risk issues, and completing sections of credit analysis to assess the creditworthiness of commercial clients.
Primary 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; recommend adding or removing conditions.
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, identifying emerging risk so that appropriate actions can be taken.
Review all pertinent credit and financial information—including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data—to determine the need for further investigation.
Analyze financial information and complete credit analyses for the Bank’s commercial transactions; provide independent credit quality assessments with risk ratings, risk mitigants, industry concerns, market trends, and other pertinent issues.
Make structure recommendations based on analysis and evaluation of scenarios, including the company’s case, the Bank’s base case, and a downside case.
Identify suspicious or potentially contrary activity as part of ongoing portfolio risk management.
Partner with relationship managers throughout the credit process, from deal screen through approval and throughout the life of the loan.
Spread financial statements and prepare financial/projection models to sensitize various conditions impacting the proposed transaction.
Enter accurate data into Bank systems to support underwriting and portfolio management.
Attend client/prospect calls to understand the client’s business and recommend risk ratings based on underwriting parameters.
Present analysis and address questions during credit discussions or committee presentations.
Assist in monitoring credit policy compliance, verifying adherence to the Commercial Credit Policy.
Adhere to applicable compliance and operational risk controls in accordance with company or regulatory standards.
Promote an inclusive environment that reflects the M&T Bank brand.
Maintain internal control standards and implement audit points and regulator issues.
Complete other duties as assigned.
Scope of Responsibilities:
Corporate/Institutional designation includes FIG, Fund Banking, Institutional/REIT, Large Corporate, and Leveraged Lending. Commercial Credit handles credit delivery throughout the lifecycle, ensuring accurate risk ratings, financial statement spreads, and credit decisions.
Education and Experience Required:
Bachelor’s degree in Accounting, Finance, Economics, or related field and a minimum of one year’s experience in commercial credit, public accounting, or financial statement analysis; or an equivalent combination of higher education and work experience totaling five years.
Key Qualifications:
Strong verbal and written communication skills.
Strong analytical ability and critical thinking.
Attention to detail and high accuracy.
Strong organizational and time‑management skills.
Ability to work independently and within a team.
Customer‑focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Preferred Experience:
Knowledge of Capital IQ, FactSet, Bloomberg, and credit analysis of financial institutions.
Location:
Boston, Massachusetts, United States of America
The pay range for this position is $77,669.27 – $129,448.78 Annual (USD).
#J-18808-Ljbffr