Commercial Credit Associate

🔥 1 hour ago

🏈 Alabama – Remote

🏈 Alabama – Remote

💵 $85.8k - $143k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

✨ Associate

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M&T Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1856

🏦 Banking

💸 Finance

👥 B2C

Banking • Finance • B2C

M&T Bank is a leading regional financial institution that provides a wide range of banking services to personal, business, and commercial clients. Known for its customer satisfaction in mobile banking, M&T Bank offers products and services such as checking accounts, credit cards, mortgages, personal loans, and insurance. Additionally, it provides financial planning through Wilmington Advisors @ M&T. The bank is committed to community engagement, supporting local businesses, multicultural banking, and volunteerism. With a focus on cybersecurity and digital banking solutions, M&T Bank serves its clientele through comprehensive online and mobile services.

📋 Description

• Assessing and managing credit risk for commercial clients • Analyzing financial statements and monitoring loan portfolios • Facilitating credit needs of customers by underwriting requests • Managing ongoing credit risk of existing loan portfolios through continuous credit monitoring • Reviewing credit and financial information including financial statements and due diligence reports • Preparing cash flow, collateral schedules, financial models, and guarantor statement analysis • Ensuring compliance with credit policies and identifying risk-related issues needing escalation

🎯 Requirements

• Bachelor's degree in Accounting, Finance, Economics or related field • At least 4 years’ experience in commercial credit, public accounting, and financial statement 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 • Strong organizational and time management skills • Proficiency with Microsoft Office

🏖️ Benefits

• Health insurance • 401(k) matching • Flexible working hours • Paid time off • Paid volunteer time