Senior Credit Analyst I
Company: M&T Bank
Posted on: January 15, 2022
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.
Thorough understanding of the following critical analysis-related
factors: complex credit, transaction and capital structures;
complex organizational structures; most forms and constructs of
loan documentation; advanced accounting and applied finance; most
major industry and business operating models and applicable
analysis approaches; and collateral types and collateral assessment
Displays deep understanding of financial regulatory environment as
it applies to underwriting most forms of commercial credit
In-depth knowledge of personal computers and related software
programs, including Moody's Risk Analyst, - Microsoft Office suite,
with excellent Excel and Word skills required, including excellent
financial modeling proficiency.
Ability to assist in the management of the department in the
Responsible for the training of junior/newly hired Credit
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, and coordinate gathering of such information.
Spread financial statements and prepare advanced financial models
designed to sensitize various conditions impacting the proposed
Analyze financial information and related materials, and complete
the credit analyses for the Bank's commercial transactions.
Analyses to include risk rating of credit and compilation of
accurate PD rationales. - Written analyses to include
well-supported identification of and description of risks and
mitigants of respective deals.
Present analysis or address questions during credit request
discussions or committee presentations, as requested.
As requested, participate in the structuring of loan requests,
where appropriate, to include suggestions on terms, conditions,
controls, collateral and guarantors.
Monitor credit policy compliance by verifying adherence to the
Commercial Credit Policy, and commenting on any risk associated
Education and Experience Required:
Bachelor's degree in Accounting, Finance or related field
OR in lieu of a degree, a combined minimum of 9 years higher
education and/or work experience
Minimum 5 years' prior experience in complex credit
underwriting,specialty underwriting or other complex financial
Buffalo, New York, United States of America
Keywords: M&T Bank, Buffalo , Senior Credit Analyst I, Accounting, Auditing , Buffalo, New York
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