Senior Commercial Credit Analyst: Risk & Portfolio Lead

M&T Bank Corporation; Baltimore (MD); On-site; USD 113,000 - 189,000; Full time

Job summary

M&T Bank Corporation seeks a Commercial Credit Senior Associate to assess and manage credit risk for its commercial clients. You will underwrite new requests, monitor portfolios, and coordinate with relationship managers throughout the deal life cycle.

The role requires strong financial modeling, rigorous analysis, and adherence to credit policies. You will present findings, support loan structuring decisions, and help maintain accurate risk ratings across the portfolio.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field.
• 5 years of commercial credit, public accounting, financial statement preparation/analysis, or related financial analysis.
• Strong analytical skills with proficiency in financial modeling and credit metrics.
• Ability to structure transactions and negotiate terms.
• Excellent verbal and written communication.
• Attention to detail and high accuracy.

Responsibilities

• Underwrite commercial credits and determine risk ratings.
• Partner with relationship managers throughout the deal lifecycle.
• Prepare cash flow analyses, financial models, and covenant schedules.
• Monitor ongoing credit risk and ensure policy compliance.
• Present analyses and recommendations to credit committees.

Skills

Financial analysis

Financial modeling

Credit risk assessment

Regulatory knowledge

Communication skills

Team collaboration

Education

Bachelor's degree in Accounting, Finance, or Economics

Tools

Capital IQ

FactSet

Bloomberg

Microsoft Excel

nCino

Job description

M&T Bank Corporation seeks a Commercial Credit Senior Associate to assess and manage credit risk for its commercial clients. You will underwrite new requests, monitor portfolios, and coordinate with relationship managers throughout the deal life cycle.

The role requires strong financial modeling, rigorous analysis, and adherence to credit policies. You will present findings, support loan structuring decisions, and help maintain accurate risk ratings across the portfolio.