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Commercial Credit Lead - Remote

Posted 3 days ago
Finance / Legal
Full Time
NY, USA
$141,158.46 - $235,264.10/year

Overview

The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This client facing position involves analyzing financial statements, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements.

In Short

  • Facilitate the credit needs of customers by underwriting new requests and modifications.
  • Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring.
  • Review all pertinent credit and financial information for analysis.
  • Analyze financial information and complete credit analyses for commercial transactions.
  • Prepare financial models and cash flow analyses.
  • Attend client calls to understand their business for effective analysis.
  • Ensure compliance with credit policies and regulatory standards.
  • Identify risk-related issues needing escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Lead and train junior Analysts and Associates.

Requirements

  • Bachelor’s degree in Accounting, Finance, or related field.
  • 7 years of experience in complex credit underwriting or financial analysis.
  • Excellent analytical skills with proficiency in financial modeling.
  • Ability to negotiate legal documentation and structure transactions.
  • Strong verbal and written communication skills.
  • Critical thinking and problem-solving abilities.
  • Attention to detail and high level of accuracy.
  • Strong organizational and time management skills.
  • Customer-focused with strong interpersonal skills.
  • Proficiency in Microsoft Office.

Benefits

  • Competitive salary and benefits package.
  • Paid volunteer time each year.
  • Support for employee growth and development.
  • Work in a collaborative and integrity-driven environment.
  • Opportunity to make a difference in communities served.

M.A.T.T.C

Manufacturers and Traders Trust Co

Manufacturers and Traders Trust Co, commonly known as M&T Bank, is a financial holding company headquartered in Buffalo, New York. With a legacy spanning over 165 years, M&T Bank is dedicated to making a positive impact in the lives of individuals and the communities it serves. The bank combines traditional banking services with wealth management and institutional capabilities through its affiliates, including Wilmington Trust. M&T Bank operates a vast network of over 1,000 branches and 2,200 ATMs across 12 states, from Maine to Virginia and Washington, D.C. The company prides itself on building long-lasting relationships with customers while maintaining a commitment to integrity, collaboration, and community involvement. As an employer, M&T Bank offers competitive benefits and fosters a culture of growth and development for its employees.

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