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Credit Analyst III in Lutherville-Timonium, MD at M&T Bank

Date Posted: 11/15/2018

Job Snapshot

Job Description

Commercial Credit Analyst III

Loan Analysis, Credit Division

Timonium, MD

Evaluate and determine the credit risks of the higher dollar amount and more complex commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies. Determine the need for more thorough investigation or additional information. Analyze information financial statements and related materials.
Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assign an overall risk rating to the credit request.
Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors.
Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance
Develop and maintain financial background information on present and prospective customers. Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals.
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 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.

The incumbent primarily works on credit approvals of $10-30MM.
The incumbent works under general supervision.
The position interacts with commercial banking relationship managers throughout the bank’s footprint as well as other internal personnel.


Bachelor’s degree in Accounting, Finance or related field, OR in lieu of a degree, a combined minimum of 7 years’ higher education and/or work experience, including a minimum of 3 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis.
Working knowledge of personal computers and related software programs.
Minimum 3 years prior experience in one or more of the following fields: commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis

Working knowledge of internal bank systems including Risk Analyst, AFS, CSS, CLAS.
Excellent verbal and written communication skills.
Excellent analytical ability.
Ability to work independently with minimal supervision.


We encourage candidates with relevant military experience to apply.

About M&T
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer. M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.