Remote Commercial Credit Associate

M&T Bank Corporation; Clanton (AL); Remote; USD 86,000 - 143,000; Full time

Job summary

M&T Bank in Clanton, Alabama is seeking a Commercial Credit Associate for Dealer Commercial Services. You will underwrite new requests, modifications, and manage ongoing credit risk for loan portfolios with relationship managers.

The role requires strong financial analysis, modeling, and adherence to credit policies. Proficiency with Excel and credit tools is valued to help deliver timely, accurate risk ratings.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years of commercial credit experience.
• In lieu of a degree, 8 years of higher education and work experience with at least 4 years in commercial credit.
• Strong verbal and written communication and analytical skills.
• Proficiency in financial modeling and analysis of credit metrics.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and for the life of the loan.
• Monitor ongoing credit risk of existing portfolios and perform CCM activities.
• Analyze financial statements and prepare independent credit quality assessments.
• Prepare cash flow, covenant sensitivity calculations, and financial models.
• Attend client/prospect calls with relationship managers to understand business needs.
• Ensure compliance with the Commercial Credit Policy and risk controls.

Skills

Analytical skills

Financial modeling

Financial ratio analysis

Verbal and written communication

Attention to detail

Time management

Microsoft Office

Education

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

Equivalent experience in lieu of degree

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank in Clanton, Alabama is seeking a Commercial Credit Associate for Dealer Commercial Services. You will underwrite new requests, modifications, and manage ongoing credit risk for loan portfolios with relationship managers.

The role requires strong financial analysis, modeling, and adherence to credit policies. Proficiency with Excel and credit tools is valued to help deliver timely, accurate risk ratings.