Senior Commercial Credit Analyst

M&T Bank Corporation; Wethersfield (CT); On-site; USD 94,000 - 157,000; Full time

Job summary

M&T Bank seeks a Commercial Credit Associate to assess and manage credit risk for commercial clients in Manchester, NH. You will underwrite new loan requests, monitor existing portfolios, and prepare analyses to support lending decisions.

Responsibilities include financial statement review, cash flow modeling, and covenant monitoring in collaboration with RMs, ensuring compliance with credit policies and risk standards.

Qualifications

• Bachelor's degree required or equivalent with strong analytical ability.
• Experience analyzing financial statements, cash flows and credit risk.
• Proficient in Excel modeling and credit metrics interpretation.

Responsibilities

• Underwrite new commercial loan requests and modifications from screen to approval and life of loan.
• Monitor ongoing credit risk and perform CCM activities including annual reviews and covenant monitoring.
• Prepare independent credit analyses with risk ratings and mitigants; present to credit committees.

Skills

Verbal communication

Written communication

Financial modeling

Credit metrics analysis

Financial ratio analysis

Education

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

Capital IQ, FactSet, Bloomberg experience

Tools

Microsoft Office

Job description

M&T Bank seeks a Commercial Credit Associate to assess and manage credit risk for commercial clients in Manchester, NH. You will underwrite new loan requests, monitor existing portfolios, and prepare analyses to support lending decisions.

Responsibilities include financial statement review, cash flow modeling, and covenant monitoring in collaboration with RMs, ensuring compliance with credit policies and risk standards.