Senior Commercial Credit Analyst

M&T Bank; Bridgeport (CT); On-site; USD 126,000 - 209,000; Full time

Job summary

M&T Bank in Bridgeport, CT is seeking a Senior Associate for Commercial Credit to assess risk, underwrite new and modified loans, and monitor portfolios across the life of the loan. The role partners with relationship managers to deliver sound credit decisions.

The ideal candidate has a strong background in financial statement analysis, cash flow modeling, and regulatory compliance, with excellent communication skills and attention to detail.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field required.
• Minimum 5 years of commercial credit or related financial analysis experience.
• Strong analytical skills with financial modeling and credit metric analysis.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Office and financial statement analysis.
• Experience with Capital IQ, FactSet, or Bloomberg is a plus.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and for the life of the loan.
• Underwrite and monitor ongoing credit risk of portfolios through CCM programs.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, and financial models.
• Present credit analyses and recommendations to risk committees or decision-makers.
• Partner with relationship managers to maintain accurate risk ratings and support loan structuring.

Skills

Analytical skills

Legal documentation

Communication skills

Critical thinking

Attention to detail

Teamwork

Time management

Customer focus

MS Office

Education

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

9 years combined education and work experience in lieu of degree

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank in Bridgeport, CT is seeking a Senior Associate for Commercial Credit to assess risk, underwrite new and modified loans, and monitor portfolios across the life of the loan. The role partners with relationship managers to deliver sound credit decisions.

The ideal candidate has a strong background in financial statement analysis, cash flow modeling, and regulatory compliance, with excellent communication skills and attention to detail.