divh2Commercial Credit Senior Associate/h2pThe Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at MT 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./ppPrimary responsibilities include:/pulliFocus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage./liliFacilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions./liliManage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance./liliReview 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./liliAnalyze financial information and related materials and complete the credit analyses for the Banks commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals./liliMake appropriate structure recommendations based on an analysis and evaluation of scenarios including the companys case, banks base case and a downside case./liliAs part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customers interest./liliPartner proactively with relationship managers and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction./liliPrepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate./liliAttend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating./liliPrepare summary, present facts, and offers opinions concerning credit-worthiness. Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors./liliDisplays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions./liliEnsure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance Present analysis or address questions during credit request discussions or committee presentations./liliUnderstand and adhere to the Companys risk and regulatory standards, policies and controls in accordance with the Companys Risk Appetite. Identify risk-related issues needing escalation to management./liliPromote an environment that supports belonging and reflects the MT Bank brand./liliMaintain MT internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable./liliComplete other related duties as assigned./li/ulpScope of responsibilities include:/ppCommercial Credit is responsible for the credit delivery of the Banks commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Banks risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions./ppPosition is an account coverage role and focuses on transaction execution and portfolio management./ppThe position interacts with commercial banking relationship managers throughout the banks footprint and industry verticals as well as other internal personnel on credit approvals./ppAbility to lead a transaction execution team in partnership with a Commercial Credit Analyst./ppCustomer interaction is expected./ppWorks independently with limited supervision./ppEducation and experience required include:/ppBachelors 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./ppStrong 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./ppEmerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently./ppExcellent verbal and written communication skills./ppCritical thinking and problem-solving abilities./ppAttention to detail and high level of accuracy./ppAbility to work independently and as a part of a team./ppStrong organizational and time management skills./ppCustomer focused with strong interpersonal and relationship building skills./ppProficiency in Microsoft Office./ppEducation and experience preferred include:/ppExperience with Capital IQ, FactSet, and Bloomberg./ppExperience in Commercial Real Estate./ppExperience with nCino./ppMT Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $125,600.00 - $209,400.00 Annual (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation./p/div