divh2Commercial Credit Associate/h2pThe Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for affordable housing commercial clients at MT Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management./ppPrimary Responsibilities:/pulliFacilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan./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./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./liliAnalyze financial information and related materials and complete the credit analyses for the Banks commercial transactions./liliMake appropriate structure recommendations based on an analysis and evaluation of scenarios including the companys case, banks base case and a downside case./liliIdentify suspicious activity and activity that may be contrary to customers interest./liliPartner proactively with relationship managers (RM) 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./liliSpread 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./liliBased on underwriting parameters, recommend the risk rating./liliPrepare summary, present facts, and offers opinions concerning credit-worthiness./liliPresent analysis or address questions during credit request discussions or committee presentations./liliEnsure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance./liliUnderstand and adhere to the Companys risk and regulatory standards, policies and controls in accordance with the Companys Risk Appetite./liliIdentify 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: Commercial 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. Position is a development account coverage role and will work with senior team members on more challenging complex transactions. The position interacts with commercial banking RMs throughout the banks footprint and industry verticals as well as other internal and external personnel such as appraisers, construction consultants and legal counsel, on typical credit approvals. Customer interaction is expected. Works independently with limited supervision. Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst, or Credit Lead/Expert depending upon the complexity and workflow./ppSupervisory/Managerial Responsibilities: Input into the development of and training of junior/newly hired Analysts./ppEducation and Experience Required: Bachelors degree in Accounting, Finance, Economics or related field and at least 4 years experience in commercial credit, public accounting, and financial statement analysis. In lieu of a degree, a combined minimum 8 years higher education and work experience to include at least 4 years experience in commercial credit, public accounting financial statement preparation/analysis or other financial analysis. Strong verbal and written communication skills. Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis. Familiarity with legal documents and how to efficiently understand structural/ppCritical thinking and problem-solving abilities. Attention to detail with a high level of accuracy. Strong organizational and time management skills. Ability to work independently and as a part of a team. Customer focused with strong interpersonal skills. Proficiency with Microsoft Office./ppEducation and Experience Preferred: Three years of Affordable Housing finance experience./ppDeal coverage includes the northeast footprint./ppExperience in Commercial Real Estate and specifically construction lending experience./ppExperience with NCino, Reis/CoStar./ppMT Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $104,700.00 - $174,500.00 Annual (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation./ppLocation: New York, New York, United States of America/p/div