Hybrid Commercial Credit Analyst Program Rotations

M&T Bank; Baltimore (MD); Hybrid; USD 84,730,665 - 126,049,022; Full time

Job summary

M&T Bank's Commercial Credit Analyst Program is a full‑time development track designed to prepare early‑career professionals for long‑term roles in commercial and corporate credit. Participants rotate through underwriting, monitoring, and deal support while receiving formal training and mentorship from senior credit leaders.

Over ~10 months, participants analyze financial statements, prepare credit memoranda, and gain exposure to syndicated loans and real estate finance, with a path into a

Qualifications

• 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).

Responsibilities

• 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.
• 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.
• 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.

Skills

Financial statement analysis

Analytical mindset

Written communication

Multitasking

Microsoft Office

Education

Bachelor’s degree in Finance/Accounting/Economics

MBA

0–3 years of relevant experience in credit, banking, finance, accounting, audit, or financial analysis

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

M&T Bank's Commercial Credit Analyst Program is a full‑time development track designed to prepare early‑career professionals for long‑term roles in commercial and corporate credit. Participants rotate through underwriting, monitoring, and deal support while receiving formal training and mentorship from senior credit leaders.

Over ~10 months, participants analyze financial statements, prepare credit memoranda, and gain exposure to syndicated loans and real estate finance, with a path into a