Senior Credit Analyst (2194)
M&T Bank (Syracuse, New York)

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Job Description:

Position Information:
Senior Credit Analyst
Loan Analysis 
Syracuse, NY

Basic Function:
Develops and analyzes all types of credit information pertaining to various types of loans.

Position Responsibilities:
- Evaluate and determine the credit risk of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. 
- Assign an overall risk rating to the loan request.
- Structure loan requests and monitor credit policy compliance.
-Analysis of financial statements and cash flows
-Evaluation of the adequacy of loan structures
-Evaluation of borrower industry conditions
-Analysis of personal tax returns, financial statements, and cash flows
-Presentation of findings in a written document to be distributed to members of senior management

Basic Qualifications:
- Bachelor's degree in Accounting, Finance or Business-related field
- One to Three years of experience analyzing commercial credit transactions.
- Proficient with Microsoft Office software including Word and Excel.
- Excellent analytical ability.
- Excellent oral and written communication skills.
- Strong attention to detail.
Ideal Qualifications
- MBA or CPA preferred.
- Prior experience in a commerical underwriting environment
- Understanding of the components of personal and corporate tax returns

With over 140 years of experience, M&T Bank is considered one of the most highly regarded regional banks in the country. M&T Bank Corporation has over $50 billion in assets and is one of the 20 largest bank holding companies in the U.S. M&T Bank has aggressively increased their footprint since 1987 and possesses more than 650 branches & 1600 ATMs across Maryland, New York, Pennsylvania, Virginia, West Virginia and Washington, D.C. M&T also has mortgage offices in Arizona, Colorado, Idaho, New Jersey, Ohio, Oregon, Utah and Washington. M&T Bank offers an attractive compensation and benefits package to include: Holidays, Vacation, Flexible Benefits, Health/Dental, Retirement Savings Plan, Pension Plan, Life Insurance, Travel Accident Insurance, and Employee Banking Advantages. We offer competitive salary and full comprehensive benefits including 401(k). For a complete listing of all open M&T Bank positions, visit our website: www.mandtbank.com M&T Bank is an equal opportunity employer M/F/D/V.

Expected Travel Time: None