Commercial Credit Associate CRE - Construction Monitoring
M&T Bank, Buffalo, NY, United States
Commercial Credit Portfolio Manager
Evaluate and determine the credit risks of largest, most complex and/or specialized commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Responsibilities include managing the ongoing credit risk of existing loan portfolios through continuous credit monitoring activities, reviewing all pertinent credit and financial information, analyzing financial information and related materials, and facilitating credit needs of customers through liaison between Commercial Banking Relationship Managers and the Underwriting Team. The position also involves preparing financial models, monitoring credit performance, ensuring credit policy compliance, presenting analysis during credit discussions, and adhering to compliance/operational risk controls in accordance with Company or regulatory standards and policies. The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements. Potential for client interaction. Works independently with minimal supervision. Management responsibilities include input into training of junior/newly hired Portfolio Managers. Education and experience required: Bachelor's 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. Education and experience preferred: Experience with Capital IQ, FactSet, and Bloomberg. Experience using nCino. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Buffalo, New York, United States of America
Evaluate and determine the credit risks of largest, most complex and/or specialized commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Responsibilities include managing the ongoing credit risk of existing loan portfolios through continuous credit monitoring activities, reviewing all pertinent credit and financial information, analyzing financial information and related materials, and facilitating credit needs of customers through liaison between Commercial Banking Relationship Managers and the Underwriting Team. The position also involves preparing financial models, monitoring credit performance, ensuring credit policy compliance, presenting analysis during credit discussions, and adhering to compliance/operational risk controls in accordance with Company or regulatory standards and policies. The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements. Potential for client interaction. Works independently with minimal supervision. Management responsibilities include input into training of junior/newly hired Portfolio Managers. Education and experience required: Bachelor's 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. Education and experience preferred: Experience with Capital IQ, FactSet, and Bloomberg. Experience using nCino. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Buffalo, New York, United States of America