Senior Credit Analyst

The Senior Credit Analyst is a resource to LEAF Sales personnel able to have complex credit discussions with Obligors, Vendors and others as needed. The Senior Credit Analyst also acts as a back-up in the Credit Manager’s absence. Duties include preparing detailed credit write-ups for presentation to LEAF Credit Committee and M&T Bank Deputy Credit Officer. These transactions include the review of complex borrower’s financial statements (many times via 10K and 10Q reports) and/or tax returns that require the use of financial spreadsheets and an ability to properly analyze financial condition/cash flow. Additional duties include recommending risk ratings based on the utilization of the bank’s PD/LGD scorecard; and gathering information from many sources including information on vendors, the vendor’s relationship with the borrower/origination source and assessing vendor quality. As an experienced analyst, the Senior Credit Analyst will have the ability to independently write detailed credit memos and take part in credit discussions with senior management. PRIMARY RESPONSIBILITIES • Advanced business credit skills with exceptional working knowledge of commercial credit analysis and complex business cash flow cycles as applicable to complex large ticket transactions. • Thorough understanding of the following critical analysis-related factors: complex transaction and capital structures; complex organizational structures; most forms and constructs of loan documentation; advanced accounting and applied finance; most major industry and business operating models and applicable analysis approaches; and collateral types and collateral assessment methodologies. • Able to quickly and accurately assess large ticket opportunities to determine if sufficient information has been provided and compile list of questions/additional information needed. • Specialty lending underwriting experience to include hospitals, non-profits, commercial real estate, contractors, etc. • Demonstrated ability to accurately prepare spreads (long-form) for complex large-ticket requests, including the debt service overview worksheet reflecting debt service coverage on existing and proposed debt. • Strong understanding of Public Debt Ratings and their significance in the underwriting process. Able to proficiently navigate Moody’s, S&P, and Fitch ratings databases to obtain the relevant ratings. • Ensure adherence to LEAF credit policy, M&T bank policies and government regulations • Facilitate customer calls as needed to discuss financing needs; and ensure a solid understanding of Obligor’s financial performance and business operations. • Exceptional understanding of the nuances of public companies and related concepts. • Ability to accurately and efficiently review 10-k’s and 10-Q’s to extract the pertinent information needed to support credit recommendations. • Solid understanding of the U.S. stock markets and related economic concepts as they pertain to obligors, vendors and overall industry. • Work with LEAF Sales Team to structure loans/leases to meet client expectations, while also managing LEAF’s risk exposure. • Demonstrates strong understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions. • Ability to assist in the management of the department in the Manager’s absence. EDUCATION, KNOWLEDGE AND SKILL REQUIREMENTS • BA/BS Degree, preferably in Finance or Accounting. • Formal credit training preferred. • 7-10 years of related experience preferred. • Leasing industry experience a plus. • Good working knowledge of other departments such as Sales, Funding and Collections, and the interaction with the Credit Department. • Good working knowledge of credit and underwriting principles and procedures as well as business concepts. • Complete knowledge and understanding of the LEAF’s credit policies and procedures. • Excellent underwriting analysis and investment decision-making skills. • Excellent written and verbal communication skills. • Ability to make presentations to credit committee. • Ability to communicate with sales, origination sources, obligors account firm, banks, etc • Strong organization and attention to detail with sense of urgency. • Excellent ability to work independently but also as a team. • Ability to correctly recognize and refer all pertinent information to persons with higher credit authority. #LI- LP1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.27 - $48.79 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Moberly, Missouri, United States of America At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000 employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. Competitive compensation Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO 401(k) match at 5% with options for Roth and discretionary employer contributions A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts We need you. Are you ready to join us? Apply today to start the journey. If you are unable to apply through this site due to technical issues or are in need of an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.