Senior Credit Analyst

4 days ago

Philadelphia, Pennsylvania, United States M&T Bank Full time
Job Description

The Senior Credit Analyst is a key resource to the LEAF Sales team, providing complex credit discussions with Obligors, Vendors, and others as needed. This role acts as a backup to the Credit Manager in their absence.

Key Responsibilities
  • Prepare detailed credit write-ups for presentation to the LEAF Credit Committee and M&T Bank Deputy Credit Officer.
  • Review complex borrower financial statements, including 10K and 10Q reports, and tax returns, requiring the use of financial spreadsheets and analysis of financial condition and cash flow.
  • Recommend risk ratings based on the utilization of the bank's PD/LGD scorecard.
  • Gather information from various sources, including vendors, vendor relationships with borrowers, and vendor quality assessments.
  • Independently write detailed credit memos and participate in credit discussions with senior management.
Requirements
  • Advanced business credit skills with exceptional knowledge of commercial credit analysis and complex business cash flow cycles.
  • Thorough understanding of critical analysis-related factors, including complex transaction and capital structures, complex organizational structures, loan documentation, advanced accounting and finance, industry models, and collateral types and assessment methodologies.
  • Ability to quickly and accurately assess large ticket opportunities, determine if sufficient information is provided, and compile a list of questions and additional information needed.
  • Specialty lending underwriting experience, including hospitals, non-profits, commercial real estate, and contractors.
  • Demonstrated ability to accurately prepare spreads for complex large-ticket requests, including debt service overview worksheets.
  • Strong understanding of Public Debt Ratings and their significance in the underwriting process.
  • Ability to navigate Moody's, S&P, and Fitch ratings databases.
  • Ensure adherence to LEAF credit policy, M&T bank policies, and government regulations.
  • Facilitate customer calls to discuss financing needs and ensure a solid understanding of Obligor's financial performance and business operations.
  • Exceptional understanding of public companies and related concepts.
  • Ability to accurately and efficiently review 10Ks and 10Qs to extract pertinent information.
  • Solid understanding of the U.S. stock markets and related economic concepts.
  • Work with the LEAF Sales Team to structure loans/leases to meet client expectations while managing LEAF's risk exposure.
  • Demonstrates strong understanding of financial regulatory environment as it applies to underwriting 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, including 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 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 the credit committee.
  • Ability to communicate with sales, origination sources, obligors, account firms, banks, etc.
  • Strong organization and attention to detail with a 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.

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