Senior Commercial Credit Analyst: Risk & Portfolio

M&T Bank Corporation; Hauppauge (NY); On-site; USD 126,000 - 209,000; Full time

Job summary

M&T Bank Corporation is seeking a Commercial Credit Senior Associate in Hauppauge, NY. The role focuses on assessing credit risk for commercial clients, underwriting new requests, and monitoring loan portfolios. It serves as a bridge between relationship managers and credit risk management to support sound lending decisions.

The position emphasizes analyzing financial statements, ongoing covenant monitoring, and ensuring policy compliance within the bank's credit framework.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics or related field.
• 5 years of commercial credit/financial analysis experience per job posting.
• Strong analytical and financial modeling capabilities.

Responsibilities

• Underwrite and manage commercial loan transactions from screen through life of loan.
• Analyze financial statements, cash flows, and credit metrics for risk assessment.
• Prepare independent credit quality assessments and risk ratings.
• Collaborate with relationship managers to structure terms and covenants.
• Monitor credit portfolio and identify emerging risks and covenant issues.
• Ensure compliance with credit policy and regulatory requirements.

Skills

Analytical skills

Verbal & written communication

Attention to detail

Team collaboration

Time management

Education

Bachelor's degree in Accounting / Finance / Economics

9+ years combined education & experience

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank Corporation is seeking a Commercial Credit Senior Associate in Hauppauge, NY. The role focuses on assessing credit risk for commercial clients, underwriting new requests, and monitoring loan portfolios. It serves as a bridge between relationship managers and credit risk management to support sound lending decisions.

The position emphasizes analyzing financial statements, ongoing covenant monitoring, and ensuring policy compliance within the bank's credit framework.