Commercial Credit Analyst - Dealer Commercial Services

Location: Remote, USA; the posting also lists Clanton, Alabama, United States of America.

Salary: $85,800.00–$143,000.00 annual USD.

Company

M&T Bank provides commercial banking and credit services for commercial clients.

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and the life of the loan.
• Monitor existing loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, early-warning indicators, and other credit surveillance.
• Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, industry research, peer data, and other credit information.
• Prepare credit analyses, risk ratings, cash-flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses.
• Partner with relationship managers, attend client and prospect calls, support credit discussions and committee presentations, and lead transaction execution teams when appropriate.
• Ensure adherence to commercial credit policy, risk and regulatory standards, internal controls, audit points, and escalation requirements.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field and at least 4 years of experience in commercial credit, public accounting, or financial statement analysis; alternatively, 8 years of combined higher education and work experience, including at least 4 years in the stated financial analysis fields.
• Strong verbal and written communication, analytical, critical-thinking, and problem-solving skills.
• Proficiency in financial modeling and credit-metric analysis, including calculating and interpreting financial ratios and performing trend analysis.
• Familiarity with legal documents and structural elements.
• High attention to detail, accuracy, organization, and time management.
• Ability to work independently and collaboratively with limited supervision.
• Customer-focused interpersonal skills and proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, and Bloomberg.

Culture & Benefits

• Full-time remote position in the USA.
• Development account coverage role with exposure to complex transactions alongside senior team members.
• Interaction with commercial banking relationship managers across the bank’s footprint and industry verticals.
• Opportunity to provide input into the development and training of junior and newly hired analysts.
• Work supports belonging and reflects the M&T Bank brand.