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Senior Credit Analyst II

Company: M&T Bank
Location: Harrisburg
Posted on: January 16, 2022

Job Description:


Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

Primary Responsibilities:

Review 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.
Determine the need for more thorough investigation or additional information, and coordinate gathering of such information.
Spread financial statements and prepare advanced financial models designed to sensitize various conditions impacting the proposed transaction.
Analyze financial information and related materials, and complete the credit analyses for the Bank's commercial transactions. Analyses to include risk rating of credit and compilation of accurate PD rationales. - Written analyses to include well-supported identification of and description of risks and mitigants of respective deals.
Present analysis or address questions during credit request discussions or committee presentations, as requested.
As requested, participate in the structuring of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral and guarantors.
Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance.

Supervisory/ Managerial Responsibilities:

Ability to assist in the management of the department in the Manager's absence. Responsible for the training of junior/newly hired Credit Analysts.

Education and Experience Required:

Bachelor's degree in Accounting, Finance or related field
OR in lieu of a degree, a combined minimum of 11 years higher education and/or work experience
Minimum 7 years' prior experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role inclusive of two years training/mentoring experience



Keywords: M&T Bank, Harrisburg , Senior Credit Analyst II, Accounting, Auditing , Harrisburg, Pennsylvania

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