Senior Commercial Credit Analyst — Portfolio Risk

M&T Bank Corporation; Rockville (MD); On-site; USD 120,000 - 199,000; Full time

Job summary

M&T Bank Corporation is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. The role supports relationship managers and credit risk management to facilitate sound lending decisions and portfolio management.

The position emphasizes underwriting, financial statement analysis, and ongoing risk monitoring, with emphasis on adherence to credit policies and regulatory standards.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field with 5+ years in commercial credit or related financial analysis.
• Strong analytical skills with proficiency in financial modeling and credit metrics analysis.
• Excellent verbal and written communication skills; ability to interpret financial data and trends.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and life of the loan.
• Analyze financial statements, tax returns, and other data to support credit decisions.
• Prepare independent credit quality assessments with risk ratings and mitigants.

Skills

Analytical skills

Financial modeling

Credit risk

Financial statement analysis

Microsoft Office

Education

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

Tools

Capital IQ

FactSet

Bloomberg

nCino

Job description

M&T Bank Corporation is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. The role supports relationship managers and credit risk management to facilitate sound lending decisions and portfolio management.

The position emphasizes underwriting, financial statement analysis, and ongoing risk monitoring, with emphasis on adherence to credit policies and regulatory standards.