Commercial Credit Senior Associate – CRE – England

Overview

The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This client facing role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.

• Focus on transaction execution and portfolio management.
• Partner with senior team members on complex transactions/account coverage.
• Underwrite 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.
• Conduct annual reviews, interim update memos, covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
• 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.
• Determine the need for more thorough investigation or additional information, and coordinate gathering of such information.
• Analyze financial information and complete credit analyses for the Bank’s commercial transactions.
• 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.
• Underwrite the proposed transaction, recommend risk rating, and provide summary, present facts, and offer opinions concerning credit-worthiness.
• Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors.
• Ensure credit policy compliance and evaluate risk associated with non-compliance.
• 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.
• Complete other related duties as assigned.

• Responsible for credit delivery of the bank’s commercial clients throughout the credit lifecycle.
• Credit assessments range from initial analyses of new relationships to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan.
• Ensure accurate completion of risk rating scorecards and financial statement spreads.
• Account coverage role focusing on transaction execution and portfolio management.
• Interact with commercial banking relationship managers throughout the bank’s footprint and industry verticals.
• Lead a transaction execution team in partnership with a Commercial Credit Analyst.
• Work independently with limited supervision.
• Input into development and training of junior/newly hired Analysts.

• Bachelor’s degree in Accounting, Finance, Economics, or related field and 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 with proficiency in financial modeling and analysis of credit metrics.
• Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
• Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
• Excellent verbal and written communication skills.
• Critical thinking and problem-solving abilities.
• Attention to detail and high level of accuracy.
• Ability to work independently and as a part of a team.
• Strong organizational and time management skills.
• Customer focused with strong interpersonal and relationship building skills.
• Proficiency in Microsoft Office.

• Experience with Capital IQ, Fact Set, and Bloomberg.
• Experience in Commercial Real Estate.
• Experience with nCino.

The pay range for this position is $ – $ Annual (USD).

Burlington, Vermont, United States of America

M&T Bank