Senior Commercial Credit Analyst - Underwriting & Risk

M&T Bank Corporation; United States; Remote; USD 86,000 - 143,000; Full time

Job summary

The Commercial Credit Associate at M&T Bank in Clanton, AL will analyze financial statements, underwrite new credit requests, and monitor ongoing portfolios to support sound lending decisions. You will collaborate with relationship managers and credit risk teams, prepare cash flow analyses, assess risk, and ensure compliance with credit policies and regulatory requirements.

Bachelor’s degree required with 4+ years in commercial credit; strong analytical and communication skills; experience with

Qualifications

• Bachelor’s degree in Accounting/Finance/Economics or related field required.
• 4+ years of experience in commercial credit or related financial analysis.

Responsibilities

• Underwrite new credit requests and material modifications from deal screen through approval and for the life of the loan.
• Monitor ongoing credit risk via CCM activities, annual reviews, and covenant monitoring.
• Review financial statements, tax returns, due diligence, and industry data to assess risk and inform decisions.
• Prepare credit analyses with independent risk ratings, mitigants, and market trends.
• Recommend structure changes and scenarios (base/downside) to support risk management.
• Collaborate with relationship managers throughout the deal process to maintain accurate risk ratings.
• Prepare cash flow, covenant sensitivity, and guarantor analyses as needed.
• Attend client/prospect calls to understand the business and inform underwriting.

Skills

Credit analysis

Financial modeling

Underwriting

Regulatory compliance

Communication skills

Education

Bachelor’s degree in Accounting/Finance/Economics or related field

Tools

Capital IQ

FactSet

Bloomberg

Job description

The Commercial Credit Associate at M&T Bank in Clanton, AL will analyze financial statements, underwrite new credit requests, and monitor ongoing portfolios to support sound lending decisions. You will collaborate with relationship managers and credit risk teams, prepare cash flow analyses, assess risk, and ensure compliance with credit policies and regulatory requirements.

Bachelor’s degree required with 4+ years in commercial credit; strong analytical and communication skills; experience with