Commercial Credit Analyst
$62.2k - $103.6kM&T Bank Corporation
- # Commercial Credit AnalystApplyremote type: Hybrid Positionlocations: Cleveland, OHtime type: Full timeposted on: Posted Todayjob requisition id: R87550**Overview:**A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.**Primary Responsibilities:*** Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.* Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.* 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.* Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.* Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company’s case, bank’s base case and a downside case.* As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer’s interest.* Partner proactively with relationship managers (RM) and be intimately involved throughout the credit process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.* Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction. Prepare cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis as appropriate.* Enter complete and accurate data into Bank systems in support of underwriting and portfolio management activities.* Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.* Present analysis or address questions during credit request discussions or committee presentations.* Assist in monitoring credit policy compliance by verifying adherence to the Commercial Credit Policy and commenting on any risk associated with non-compliance.* Understand and adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.* Promote an environment that supports belonging and reflects the M&T Bank brand.* Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.* Complete other duties as assigned.**Scope of Responsibilities:**Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.Contacts are primarily internal such as credit officers and other bank personnel.The position interacts with commercial banking relationship managers throughout the bank’s footprint and industry verticals.Customer interaction is expected.Works independently under general supervision.**Supervisory/Managerial Responsibilities:**N/A**Education and Experience Required:**Bachelor’s degree in Accounting, Finance, Economics or related field and a minimum of one year’s work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including of one year work experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.Strong verbal and written communication skills.Strong analytical ability.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.**Education and Experience Preferred:**Experience with Capital IQ, FactSet, and Bloomberg.M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.# **Location**Cleveland, Ohio, United States of America### About UsGreat companies have an enduring sense of purpose. At M&T, our purpose is a simple one: **make a difference in people’s lives and uplift the communities we serve**. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.**As an employer of choice, we are proud to offer** **competitive benefits** ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. ViewM&T’s Human Capital Report to learn more.**Ready to join our team?** Submit your application today!
- J-18808-Ljbffr M&T Bank Corporation
Vacancy posted 5 days ago
Similar jobs that could be interesting for youBased on the Commercial Credit Analyst in Cleveland, OH vacancy
$62.2k - $103.6k
...Overview: A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on-going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues,...SuggestedWork experience placementInterim roleWork at officeM&T Bank
Cleveland, OH3 days ago- M&T Bank Corporation in Cleveland is seeking a Commercial Credit Analyst to support underwriting and credit monitoring. You will analyze customer credit needs and manage ongoing risk across a portfolio. Responsibilities include assessing creditworthiness through financial...Suggested
- M&T Bank is seeking a Commercial Credit Analyst in Cleveland, Ohio. You will analyze credit requests and manage ongoing credit risk for a portfolio of commercial clients. This role requires strong analytical abilities, attention to detail, and effective communication skills...SuggestedWork experience placement
$55k - $63k
The Euclid Chemical Co. is seeking a Credit Analyst for their Beachwood, OH location. This hybrid position involves establishing credit lines, managing receivables, and providing top-notch customer service. Successful candidates will have 1-2 years of credit experience...Suggested$55k - $63k
...Construction Products Group brings together Tremco CPG Inc.'s Commercial Sealants & Waterproofing and Roofing & Building Maintenance... ...2,700 people across North America. We are looking for a Credit Analyst to support the Tremco Roofing & Building Maintenance division...SuggestedRemote workTremco
Beachwood, OH1 day ago$52k - $80k
...Location: 4910 Tiedeman Road, Brooklyn Ohio Job Summary The Credit Analyst is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness...Work experience placementBank staffWork at officeImmediate startFlexible hoursNight shiftKey Bank
Brooklyn, OH4 days ago- ...Credit Analyst To use all information in creating a clear picture of the customer's financial position. This is vital to the Lenders;... ...financial via the Internet. Perform reviews for Special Assets' commercial relationships Establish/organize all loan information in...Work at office
Farmers National Bank
Pepper Pike, OH3 days ago - Applied Industrial Technologies in Cleveland seeks a Financial Analyst to manage receivables and support the credit team. Responsibilities include analyzing accounts, recommending process improvements, and assisting with month-end activities. The ideal candidate has a...Live in
$71k - $125k
...Location 127 Public Square, Cleveland Ohio Job Summary The Commercial Analyst functions as part of a relationship team and works collaboratively to support sales and credit functions of the bank. Core responsibilities include working with relationship managers to create...Interim roleWork at officeFlexible hoursDormont Manufacturing Company
Cleveland, OH4 days ago$63k - $124k
Huntington Bancshares, Inc. is seeking a Credit Review Specialist (CRS) in Cleveland, Ohio, to evaluate credit risk in bank assets and... ...of credit processes. The role demands a strong background in commercial banking and effective communication with colleagues. The ideal...$50 - $60 per hour
DataAnnotation is committed to creating high-quality AI. Enjoy the flexibility of remote work and the freedom to set your own schedule. This is an opportunity to work with us as an independent contractor. We're currently expanding into an exciting new area – teaching...Hourly payContract workFor contractorsWork experience placementRemote workData Annotation
South Euclid, OHmore than 2 months ago- ..., and adaptable to operating rooms of any size. The system is commercially available in the United States and Europe. Distalmotion is headquartered... ..., Ohio. Position Overview The Sr. Commercial Systems Analyst is the global architect of our global Sales and Marketing CRM...Work at officeFlexible hoursShift work
$71k - $125k
KeyBank in Cleveland, Ohio is seeking a Commercial Analyst to support the sales and credit functions of the bank. You'll work collaboratively on credit commitments under $10 million, manage the lending process, create client pitch materials, and ensure documentation accuracy...Flexible hours- ...Townsend is searching for an Investment Analyst to join the Investment Management team in its Cleveland office, focusing on portfolio management, research, and providing client support. Providing analytical support to portfolio managers and consultants for client strategy...
The Townsend Group
Cleveland, OH5 days ago - GCC Technologies, founded in 1997 with headquarters in Oakland, Maryland, is a fast growing service-disabled Veteran owned Small Business and HUBZone company with an outstanding record of performance providing more effective and efficient acquisition, business process,...Contract workFor contractorsWork at officeRemote work
Gcc-Technologies,-LL
Cleveland, OH9 hours ago $150k
Do you genuinely enjoy engaging with clients - not just reviewing returns behind the scenes? Do you seek a clear, realistic path to partnership - not an empty promise? Are you ready to lead client meetings, build multi-generational relationships, and maintain a life outside...Full timeTemporary workWork at officeLocal areaRelocation package- ...Job Description Investment Banking Analyst | Cleveland, OH Are you looking to pivot into investment banking, or continue growing your career within it? A boutique Cleveland investment bank is looking to add an Analyst to their growing team. This firm works...Work at office
Emerald Resource Group
Cleveland, OH2 days ago - ...competencies, knowledge, and skills and can provide valuable training and experience that translates to paid employment. You will receive credit for all qualifying experience, including volunteer experience. Education GS-05 Substitution of Education for Experience: Four years...Remote workRelocationRelocation package
Defense Finance and Accounting Service
Cleveland, OH4 days ago $50 - $60 per hour
DataAnnotation is committed to creating high-quality AI. Enjoy the flexibility of remote work and the freedom to set your own schedule. This is an opportunity to work with us as an independent contractor. We're currently expanding into an exciting new area – teaching...Hourly payContract workFor contractorsWork experience placementRemote workData Annotation
Rocky River, OHmore than 2 months ago- ...applications by completing URLA on laptop. Utilize available technology and support for communication and access of daily rates, applicant credit reports, origination of loan files and uploading of files to operations. Collect appropriate documentation from applicant(s) and...Daily paid
Fifth Third Bancorp
Cleveland, OH5 days ago - ...I am looking for a Credit Loan Analyst for a strong bank in your area. If you're looking for an exciting opportunity that allows you to put your credit experience to work in a fast-growing enviroment while working alongside collaborative leadership this opportunity is...Full time
- Financial Accounting Specialist This individual will assist in the monthly close process and provide management with timely, accurate financial data that aids in the decision making process. Analyze and correct financial data as submitted by all operations worldwide...Work at officeImmediate startWorldwideRelocation package
Direct Staffing Inc
Cleveland, OH3 days ago $47 - $49 per hour
...Akkodis is seeking a Senior Security Analyst for a Contract with a client in Cleveland, OH/ Cincinnati, OH/ Edison, NJ. The ideal candidate with strong communication skills and foundational knowledge of application security vulnerabilities, responsible for reviewing...Hourly payContract workTemporary workLocal areaAkkodis
Cleveland, OH5 days ago- ...Security Analyst I Security Analyst I The Security Analyst I will work with key Infrastructure stakeholders and be responsible for the identification, design, development and management of Security initiatives as they relate to the company's Security platform. Must...
Park Place Technologies
Cleveland, OH1 day ago - ...The opportunity As an Offensive Security Analyst on the Attack Surface Management team, you will play a key role in evaluating and reducing EY’s digital exposure through hands‑on penetration testing and adversarial simulation. Working under the guidance of the Exposure...Summer holidayFlexible hours
Ernst & Young Oman
Cleveland, OH4 days ago $76.4k - $138.6k
...through innovative, secure solutions that provide speed to market and business value. The opportunity As an Offensive Security Analyst on the Attack Surface Management team, you will play a key role in evaluating and reducing EY's digital exposure through hands-on...Summer holidayLocal areaFlexible hoursEY
Cleveland, OH4 days ago- A leading financial services firm is seeking an experienced financial professional in Cleveland. The role requires managing and expanding an existing client base while providing tailored financial solutions. Applicants must have investment sales experience of three years...
- AmTrust Financial Services, Inc. is seeking an Actuarial Analyst in Cleveland, Ohio. The role focuses on pricing and monitoring their E&S book, which includes General Liability and Commercial Property. Candidates should hold a Bachelor’s Degree in a related field and possess...
- Huntington National Bank is seeking a Private Bank Analyst - Portfolio Manager in Beachwood, Ohio. This entry-level position offers training in managing client portfolios, ensuring high-quality service delivery, and developing networking skills. The ideal candidate will...
- ...Financial Analyst / Accountant Assists in maintenance of cost accounting methodologies (RVU, RCC, Variable Charge, ABC) for UH Health System, including the overhead allocation and statistical drivers. Calculation of Net Revenue Reimbursement including preparation, allocations...Full timeWork experience placementRemote work
University Hospitals
Beachwood, OH2 days ago
Do you want to receive more vacancies?
Subscribe and receive similar vacancies to Commercial Credit Analyst. Be the first to apply!
Related searches
- entry level financial analyst no experience Cleveland, OH
- capital market analyst Cleveland, OH
- financial analyst Cleveland, OH
- senior financial analyst Cleveland, OH
- financial crimes analyst Cleveland, OH
- commercial finance analyst Cleveland, OH
- senior financial analyst remote Cleveland, OH
- remote financial analyst Cleveland, OH
- finance analyst Cleveland, OH
- construction financial analyst Cleveland, OH