2027 Commercial Credit Analyst Program (All Locations)

M&T Bank Corporation; Buffalo (NY); Hybrid; USD 84,731,000 - 126,049,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY invites applications for its Commercial Credit Analyst Program, a structured, full-time 10-month development program designed to train early-career professionals for commercial and corporate credit roles. Participants receive classroom instruction, hands-on underwriting experience, and exposure to senior credit leaders.

During rotations, you build financial analysis skills, prepare credit memoranda, monitor risk, and contribute to deal structuring with

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics or related field.
• Strong financial statement analysis and accounting fundamentals.
• Analytical mindset with attention to detail and sound judgment.
• Clear, concise written communication skills for credit documentation.

Responsibilities

• Complete a formal training program with instructor-led sessions, web-based learning, and on-the-job assignments.
• Demonstrate active engagement in training and cohort sessions.
• Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of borrowers.
• Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events.
• Monitor assigned loan portfolios for credit quality and covenant compliance.
• Partner with relationship managers to support credit structuring and due diligence.

Skills

Financial statement analysis

Analytical thinking

Written communication

Team collaboration

Excel proficiency

Time management

Education

Bachelor’s degree in Finance, Accounting, Economics or related field

MBA (preferred)

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

Overview

The Commercial Credit Analyst Program (the "Program") is a structured, full-time development program designed to prepare early-career professionals for long-term roles in commercial and corporate credit. Participants receive formal classroom instruction with expert facilitation and program management support, hands-on credit underwriting and monitoring experience, and exposure to and network building with credit associates, senior credit officers, relationship managers, and risk leadership. The program typically spans 10 months, combining rotational assignments with increasing credit and analytical complexity. Throughout the Program, participants will report to the Commercial Credit Senior Director of Business Execution & Credit Support and will receive on-the-job guidance from Credit Managers and other department personnel. Upon successful completion of the Program, participants will be placed into a Commercial Credit Analyst role determined by business need.

Primary Responsibilities

Training & Development

Complete a formal training program that includes instructor-led sessions, web-based learning, individual and group activities, and on-the-job assignments. Demonstrate active engagement in all training and cohort sessions by contributing to discussions, asking questions, participating in activities, and collaborating with peers. Complete all program assignments, exercises, and deliverables by established deadlines and to required quality standards. Participate in ongoing coaching and feedback sessions with senior analysts, credit associates, credit managers, and credit officers; apply feedback to improve performance. Demonstrate progressive readiness for independent underwriting responsibilities based on performance, capability development, and consistent application of program learning. Participate in leadership and functional professional development, networking, and community-focused activities as part of the cohort experience.

Credit Analysis & Underwriting

Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of middle-market, commercial real estate, and large corporate borrowers. Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events. Assess borrower performance, industry trends, and macroeconomic risks. Evaluate collateral, guarantor support, covenant structures, and debt capacity.

Portfolio Monitoring & Risk Management

Monitor assigned loan portfolios for credit quality, covenant compliance, and early warning indicators. Support portfolio reviews, stress testing, and risk rating migrations. Assist with criticized/classified credit identification and action plans. Develop an understanding of various credit policies and procedures along with product knowledge.

Deal Support & Exposure

Partner with relationship managers, credit associates, and product specialists to support credit structuring. Participate in due diligence calls, management meetings, and underwriting discussions. Gain exposure to syndicated loans, leveraged finance, asset-based lending, commercial real estate and other corporate credit products, as applicable. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. 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. Participates in the assigned Commercial Credit Analyst Program (CAP) training curriculum. Includes a combination of in-person and virtual training and activities, as well as on-the-job application. Rotations provide the opportunity for the participant to support different teams and functions across the various Commercial Credit line of businesses, segments, and geographic locations and may include: Commercial & Industrial Banking, Commercial Real Estate, Specialized Industries, Leveraged Finance.

Managerial/Supervisory Responsibilities

None

Education and Experience Required

- Bachelor’s degree in Finance, Accounting, Economics or a related field with cumulative GPA of 3.0. - Strong financial statement analysis and accounting fundamentals. - Analytical mindset with attention to detail and sound judgment. - Clear, concise written communication skills for credit documentation. - Ability to manage multiple priorities in a deadline-driven environment. - Proficiency in Microsoft Excel, Word, and PowerPoint. - Professional curiosity and desire to build a career in credit risk. - Ability to work in a team-oriented environment with individual assignments. - Willingness to adapt to technology changes, innovation, agility, customer centricity, change management and continuous improvement. Travel will be required for in-person sessions, approximately 1 week at a time throughout the program. Work in a hybrid environment (4 days in the office, remainder remote).

Education and Experience Preferred

- MBA 0-3 years of relevant experience in credit, banking, finance, accounting, audit, or financial analysis. - Internship or prior exposure to commercial or corporate banking.

Physical Requirements

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.57 - $43.99 per hour. The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above encompasses all geographic locations. The pay rate specific to your location will fall within this range and is available from your recruiter.

Location

Buffalo, New York, United States of America

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities-combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values - integrity, ownership, collaboration, curiosity, and candor - drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.