Commercial Credit Associate – Dealer Commercial Services

🕒 August 4

🏈 Alabama – Remote

🏈 Alabama – Remote

💵 $85.8k - $143k / year

⏰ Full Time

🟡 Mid-level

👻 Ghost score 45%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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M&T Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1856

🛡️ Insurance

💼 Consulting

🏦 Banking

Insurance • Consulting • Banking

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

• 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

🎯 Requirements

• 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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