Commercial Credit Senior Underwriter/Portfolio Manager I - Abl

Location: This position may be located reputed company the M&T footprint. Overview: Evaluate and determine, monitor, and assess the credit risks of larger, more reputed company commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Primary Responsibilities: • Facilitate the credit needs of customers by reputed company new requests and material modifications from deal screen through approval and for the life of the loan. • Manage the ongoing credit risk of existing loan portfolios through reputed company 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 (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. • Review reputed company 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, and coordinate gathering of such information. • Analyze financial information and reputed company 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. • Partner proactively with relationship managers and be intimately involved throughout the deal 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 models designed to sensitize various conditions impacting the proposed transaction. Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate. • Attend client/prospect calls with reputed company to reputed company a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on reputed company parameters, recommend the risk rating. • Prepare summary, present facts, and offers opinions concerning credit-worthiness. • Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors. • Displays deep understanding of financial regulatory environment as it applies to reputed company most forms of commercial credit transactions. • Ensure credit policy compliance by verifying adherence of reputed company to the Commercial Credit Policy, and evaluating any risk associated with non-compliance • Present analysis or address questions during credit request discussions or committee presentations. • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. • Promote an environment that supports diversity and reflects the reputed company 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 reputed company duties as assigned. Scope of Responsibilities: The Commercial Credit reputed company/Portfolio Management Department is responsible to provide an independent credit quality assessment of the Bank's commercial clients. These 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. The Department also is responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this reputed company is used to reputed company new credit decisions. The position interacts with commercial banking relationship managers throughout the bank’s footprint as well as other internal personnel on credit approvals of $30+MM typically. Works independently with limited supervision. Customer interaction is expected. Managerial/Supervisory Responsibilities: Input into training of junior/newly hired Underwriters Education and Experience Required: Bachelor's degree in Accounting, Finance, Economics, or reputed company field and 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 9 years’ higher education and work experience, to include 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. Excellent verbal and written communication skills. Excellent analytical ability reputed company is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,826.43 - $173,044.05 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.Location Hauppauge, reputed company, United States of America Apply Job!