Overview: Evaluate and determine the credit risks of the higher dollar amount and more complex commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies.
Determine the need for more thorough investigation or additional information.
Analyze information financial statements and related materials.
Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assign an overall risk rating to the credit request.
Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors.
Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance
Develop and maintain financial background information on present and prospective customers.
Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Promote an environment that supports diversity 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.
Scope of Responsibilities: The incumbent primarily works on credit approvals of $10-30MM.
The incumbent works under general supervision.
The position interacts with commercial banking relationship managers throughout the bank's footprint as well as other internal personnel.
Education and Experience Required: Bachelor's degree in Accounting, Finance or related field,
OR in lieu of a degree,
A combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis.
Working knowledge of personal computers and related software programs.
Minimum 3 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis
Education and Experience Preferred: Working knowledge of internal bank systems including Risk Analyst, AFS, CSS, CLAS.
Excellent verbal and written communication skills.
Excellent analytical ability.
Ability to work independently with minimal supervision.