Commercial Credit Associate, CRE
M&T Bank —Wethersfield, CT
- $94,400 - $157,400 a year
- Full-time
- Data analysis skills
- Research
- Mid-level
Dental Hygienist (RDH)
Aspen Dental —Torrington, CT
- $55 - $60 an hour
- Full-time
- Dental office
- Mid-level
- Associate's degree
- Continuing education credits
- Paid holidays
Quick Apply
$500 sign on bonus Infant and Toddler Assistant Teachers
Trinity College Community Child Center —Hartford, CT
- $17 - $20 an hour
- Full-time
- Classroom
- CPR Certification
- Teaching Certification
- Health insurance
- Dental insurance
Quick Apply
Mammography Technician
Baystate Health —Longmeadow, MA
- $36.32 - $49.37 an hour
- Part-time
- Inventory control
- BLS Certification
- Computer skills
- 403(b) matching
- Health savings account
Quick Apply
Online Ordering B2B Sales Representative 1099
Enterprise Web Solutions —Hartford, CT
- From $30,000 a year
- Part-time
- Marketing
- Mid-level
- Bachelor's degree
- Flexible schedule
Quick Apply
3d
Doctor of Chiropractic
Damato Chiropractic Center —Glastonbury, CT
- $75,000 - $125,000 a year
- Part-time
- Background check
- Private practice
- Mid-level
- Profit sharing
- Continuing education credits
Quick Apply
10d
Associate Financial Advisor II
LPL Financial —Farmington, CT
- $82,200 - $137,000 a year
- Full-time
- Microsoft Excel
- Business development
- Bachelor's degree
- Health insurance
- Paid time off
Quick Apply
Business Development Manager
HPC —Connecticut
- $31,600.53 - $91,133.15 a year
- Full-time
- Background check
- Clean driving record
- Microsoft Excel
- Fuel card
- Health insurance
Quick Apply
$500 sign on bonus Preschool Teacher Assistant
Trinity College Community Child Center —Hartford, CT
- $16.50 - $19.00 an hour
- Full-time
- Mid-level
- Preschool
- Classroom experience
- Health insurance
- Dental insurance
Quick Apply
Substitute Assistant Preschool Teacher
YWCA New Britain —New Britain, CT
- From $17.85 an hour
- Part-time
- Background check
- Classroom
- 18 years or older
Quick Apply
Financial Advisor
Edward Jones —Cheshire, CT
- $45,000 - $100,000 a year
- Full-time
- 5 years
- Military
- Mid-level
- Profit sharing
- Paid training
Child Care Lead Teacher - Preschool
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher - Preschool
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher Toddler
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher Toddler
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Personal Banker II
Windsor Federal Bank —Windsor, CT
- Part-time
- Microsoft Outlook
- Mid-level
- Office
- Profit sharing
- Paid holidays
Quick Apply
4d
Child Care Lead Teacher - Toddler 1 Year Olds
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher - Toddler 2 year olds
BrightPath Kids USA —Glastonbury, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher
BrightPath Kids USA —Manchester, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply
Child Care Lead Teacher
BrightPath Kids USA —Farmington, CT
- Full-time
- Classroom
- Customer service
- Mid-level
- Paid holidays
- Health insurance
Quick Apply

I want to receive the latest job alert for credit associate in wethersfield ct

By signing in to your account, you agree to SimplyHired's Terms of Service and consent to our Cookie and Privacy Policy.

Explore jobs in more locations

credit associate jobs near wethersfield ct

Credit Associate jobs in Wethersfield, CT

Preschool Teacher jobs in Hartford, CT

Business Development Manager jobs in Connecticut

Sales Representative jobs in Hartford, CT

Dental Hygienist jobs in Torrington, CT

Financial Advisor jobs in Cheshire, CT

Preschool Teacher jobs in New Britain, CT

Child Care Teacher jobs in Fairview Heights, IL

Preschool Teacher jobs in Sacramento, CA

Child Care Teacher jobs in Nelson County, VA

Child Care Teacher jobs in Chattanooga, TN

Child Care Teacher jobs in Mississippi

High School English Teacher jobs in Lancaster, PA

Preschool Teacher jobs in Knoxville, TN

Child Care jobs in Prosper, TX

Associate Degree In Allied Health Science jobs in Michigan

Credit Associate jobs in Falls Church, VA

Bellco Credit Union jobs in Denver, CO

Credit Associate jobs in Remote

Credit Analyst jobs in Austin, TX

Commercial Credit Associate, CRE

M&T Bank -
Wethersfield, CT

Apply Now

Job Details

Full-time
$94,400 - $157,400 a year

Qualifications

Financial model construction
Financial statement analysis
Data analysis skills
Trend analysis
Financial report interpretation
Accounting firm experience
Financial projection model development
Financial statement interpretation
Productivity software

Full Job Description

Overview:

The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial real estate clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.

Primary Responsibilities:

Facilitate the credit needs of customers by underwriting 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. Will work with senior team members on more challenging complex transactions/account coverage.
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 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 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.
Prepare summary, present facts, and offers opinions concerning credit-worthiness. Present analysis or address questions during credit request discussions or committee presentations.
Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
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 related 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.

Position is a development account coverage role and will work with senior team members on more challenging complex transactions.

The position interacts with commercial banking RMs throughout the bank’s footprint and industry verticals as well as other internal personnel on typical credit approvals.

Customer interaction is expected.

Works independently with limited supervision. Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst.

Supervisory/Managerial Responsibilities:

Input into the development of and training of junior/newly hired Analysts.

Education and Experience Required:

Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years’ experience in commercial credit, public accounting, and financial statement analysis. In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.

Strong verbal and written communication skills.

Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis.

Familiarity with legal documents and how to efficiently understand structural elements.

Strong verbal and written communication skills.

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 $94,400.00 - $157,400.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Wethersfield, Connecticut, United States of America

Apply Now

Refine Your Search

credit associate jobs in wethersfield ct

Commercial Credit Associate, CRE

Dental Hygienist (RDH)

$500 sign on bonus Infant and Toddler Assistant Teachers

Mammography Technician

Online Ordering B2B Sales Representative 1099

Doctor of Chiropractic

Associate Financial Advisor II

Business Development Manager

$500 sign on bonus Preschool Teacher Assistant

Substitute Assistant Preschool Teacher

Financial Advisor

Child Care Lead Teacher - Preschool

Child Care Lead Teacher - Preschool

Child Care Lead Teacher Toddler

Child Care Lead Teacher Toddler

Personal Banker II

Child Care Lead Teacher - Toddler 1 Year Olds

Child Care Lead Teacher - Toddler 2 year olds

Child Care Lead Teacher

Child Care Lead Teacher

I want to receive the latest job alert for credit associate in wethersfield ct

Related Searches

Explore jobs in more locations

Location

Job Seeker Tools

Employer Tools

Browse

Stay Connected