Business Credit score Underwriting Analyst – Leveraged Lending

M&T Bank

Job title: “Business Credit score Underwriting Analyst – Leveraged Lending”

Firm: “M&T Financial institution”

Anticipated wage: “$51504.81 – 85841.35 per 12 months”

Location: “Buffalo, NY”

Job description: OVERVIEW

Consider and decide the credit score dangers of the upper greenback loans (usually lower than $10MM) industrial purchasers via detailed monetary assertion evaluation, business evaluation, collateral valuation, money stream evaluation and the power to repay annual debt service.


Facilitate the credit score wants of consumers by analyzing new requests and materials modifications from deal display screen via approval. Guarantee a profitable transition of latest clients/loans to monitoring group for ongoing steady credit score monitoring.

Overview all pertinent credit score and monetary data, together with however not restricted to monetary statements, tax returns, due diligence stories, credit score bureaus, value determinations, inner credit score data, business analysis and peer knowledge. Decide the necessity for extra thorough investigation or further data.

Analyze monetary data and associated supplies and full the credit score analyses for the Financial institution’s industrial transactions. Written analyses to incorporate an impartial credit score high quality evaluation with well-supported danger score, identification of and outline of credit score dangers and mitigants, business issues, market developments, monetary developments, and different pertinent credit score problems with respective offers.

Associate proactively with relationship managers and portfolio managers, and be intimately concerned all through the deal course of, from deal display screen via approval.

Unfold monetary statements and put together monetary fashions designed to sensitize varied circumstances impacting the proposed transaction. Put together money stream, collateral schedules, covenant sensitivity calculations, monetary fashions, and guarantor assertion evaluation as applicable.

Attend consumer/prospect calls with RMs to achieve a radical understanding of the consumer/prospect and their enterprise to successfully analyze and underwrite the proposed transaction. Based mostly on underwriting parameters, advocate the danger score.

Current evaluation or tackle questions throughout credit score request discussions or committee shows.

Help in monitoring credit score coverage compliance by verifying adherence to the Business Credit score Coverage and commenting on any danger related to non-compliance.

Adhere to relevant compliance/operational danger controls in accordance with Firm or regulatory requirements and insurance policies.

Promote an surroundings that helps variety and displays the M&T Financial institution model.

Keep M&T inner management requirements, together with well timed implementation of inner and exterior audit factors along with any points raised by exterior regulators as relevant.

Full different associated duties as assigned.


The Business Credit score Underwriting Division is to offer an impartial credit score high quality evaluation of the Financial institution’s industrial purchasers. These assessments vary from preliminary analyses of latest relationships to the Financial institution to materials modifications or restructurings of long-term relationships. The Division is also chargeable for making certain the correct completion of the Financial institution’s danger score scorecards and monetary assertion spreads. The work accomplished on this capability is used to make new credit score selections.

The place interacts with industrial banking relationship managers all through the financial institution’s footprint on decrease degree credit score approvals of $10MM or much less usually. Contacts are primarily inner resembling mortgage officers and different financial institution personnel.

Buyer interplay is anticipated.

Works independently beneath normal supervision.


Bachelors’ diploma in Accounting, Finance, Economics or associated discipline with 1 12 months expertise in industrial credit score, public accounting, monetary assertion preparation/evaluation or different monetary evaluation or in lieu of diploma a mixed minimal of 5 years’ increased schooling and work expertise to incorporate a minimal 1 12 months expertise in industrial credit score, public accounting, monetary assertion preparation/evaluation or different monetary evaluation.

Good verbal and written communication abilities.

Good analytical potential


M&T Financial institution is dedicated to honest, aggressive, and market-informed pay for our workers. The pay vary for this place is $51,504.81 – $85,841.35 Annual (USD). The profitable candidate’s explicit mixture of data, abilities, and expertise will inform their particular compensation.

Location Buffalo, New York, United States of America

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