CRE Credit Associate: Underwriting & Risk

M&T Bank; New York (NY); On-site; USD 105,000 - 175,000; Full time

Job summary

M&T Bank in New York is seeking a Commercial Credit Associate to assess and manage credit risk for commercial real estate clients. You will underwrite, monitor, and structure transactions, collaborating with relationship managers to support sound lending decisions.

The role requires 4+ years in commercial credit, a bachelor’s degree in accounting/finance, and strong modeling skills to analyze financial data and industry trends.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics or related field and 4+ years in commercial credit or financial analysis.
• Strong analytical and communication skills with proficiency in financial modeling.

Responsibilities

• Underwrite new loan requests and modifications from screen through approval and life of loan.
• Monitor ongoing credit risk via CCM activities and annual/interim reviews.
• Review financial statements, tax returns, appraisals, and internal data to support credit decisions.
• Prepare independent credit quality assessments with risk ratings and mitigants.

Skills

Financial analysis

Credit risk

Financial modeling

Communication

Education

Bachelor's degree in Accounting/Finance

Tools

Capital IQ

FactSet

Bloomberg

nCino

Job description

M&T Bank in New York is seeking a Commercial Credit Associate to assess and manage credit risk for commercial real estate clients. You will underwrite, monitor, and structure transactions, collaborating with relationship managers to support sound lending decisions.

The role requires 4+ years in commercial credit, a bachelor’s degree in accounting/finance, and strong modeling skills to analyze financial data and industry trends.