Commercial Credit Associate – Dealer Commercial Services

🕒 Agosto 4

🏈 Alabama – Remoto

🏈 Alabama – Remote

💵 $85.800 - $143.000 / ano

⏰ Tempo Integral

🟡 Pleno

👻 Score fantasma 45%

O que significa: a chance de ninguém estar realmente contratando para esta vaga.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Por que essa pontuação:

• Aberta há 100 dias.
• As vagas desta empresa costumam ser preenchidas em 21 dias.
• Repostada uma vez.

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M&T Bank

SiteLinkedInTodas as Vagas

10.000+ funcionários

Fundada em 1856

🛡️ Seguros

💼 Consultoria

🏦 Bancário

Insurance • Consulting • Banking

O M&T Bank é uma instituição financeira regional líder que oferece uma ampla gama de serviços bancários para clientes pessoais, empresariais e comerciais. Conhecido pela satisfação do cliente em serviços bancários móveis, o M&T Bank oferece produtos e serviços como contas correntes, cartões de crédito, hipotecas, empréstimos pessoais e seguros. Além disso, oferece planejamento financeiro através da Wilmington Advisors @ M&T. O banco está comprometido com o engajamento comunitário, apoiando empresas locais, serviços bancários multiculturais e voluntariado. Com foco em cibersegurança e soluções de banco digital, o M&T Bank atende seus clientes por meio de serviços online e móveis abrangentes.

Descrição

• Underwrite new commercial credit requests and material modifications from deal screen through approval and for the life of the loan • Recommend adding or removing credit conditions and support senior team members on complex transactions • Monitor ongoing credit risk through annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance • Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data • Complete independent credit analyses, risk ratings, credit risk and mitigant assessments, industry and market analyses, and financial trend analyses • Recommend transaction structures based on company, bank base-case, and downside-case scenarios • Identify suspicious activity and activity contrary to the customer's interest • Partner with relationship managers throughout the deal process and loan life cycle • Spread financial statements and prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses • Attend client/prospect calls and recommend risk ratings • Prepare summaries, present facts, offer opinions on creditworthiness, and present analyses during credit discussions or committee presentations • Ensure underwriting complies with Commercial Credit Policy and escalate risk-related issues to management • Adhere to risk, regulatory, internal control, and audit standards • Provide input into development and training of junior/newly hired Analysts • Complete other related duties as assigned

🎯 Requisitos

• 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 • 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 elements • Critical 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 • Preferred: Experience with Capital IQ, FactSet, and Bloomberg

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