Credit Accounting Analyst ; Hybrid - Buffalo, NY

Overview

Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, Industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Determine the estimated loss or loan loss reserve required to cover the credit risk of impaired commercial credits.

Responsible for the proper calculation of cash flows and loan loss reserves for the legacy loan portfolios by reviewing all pertinent credit and financial information. Assist in the estimation of the Lifetime Loss on the Commercial Loan portfolio. Maintain a general knowledge of accounting pronouncements and the effect on Bank credits, with a specific focus on the Loan Loss Reserve and Troubled Debt Restructures.

Coordination of data and processes in support of both Internal and external reporting requirements to Finance, Credit Senior Management, Regulatory reviews, etc. Assist in the preparation of the monthly, quarterly, and annual reporting requirements of the department. Participate in various Departmental projects. 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 related duties as assigned.

The position requires substantial interaction with both internal and external contacts in order to obtain pertinent information. The position acts as liaison between department and other business units on various projects. This position typically interacts with Commercial Banking Relationship Managers and Special Assets. The incumbent works independently with limited supervision.

Bachelor's degree in Accounting, Finance or related field, and two years of relevant experience, or in lieu of degree, a combined minimum of six years' education and relevant experience. Strong analytical ability. Strong written and verbal communication skills.

Bachelor's degree in Accounting, Finance or related field, and two years of commercial credit or similar banking experience. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $ Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Buffalo, New York, United States of America

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust.

M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

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