Senior Commercial Credit Associate — Risk & Portfolio Lead

M&T Bank Corporation; Baltimore (MD); On-site; USD 142,000 - 237,000; Full time

Job summary

M&T Bank in New York is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will analyze financial statements, underwrite new requests, and monitor the loan portfolio, acting as a bridge between relationship managers and credit risk management to enable sound lending decisions.

This client-facing role requires strong financial modeling, attention to detail, and the ability to structure transactions while ensuring compliance with policy and

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics, or related field.
• 5 years’ experience in commercial credit or financial analysis.
• Experience in large corporate financial institutions.
• Strong analytical and financial modeling skills.

Responsibilities

• Underwrite and portfolio manage commercial credit transactions.
• Prepare cash flow, covenants, and financial models for deals.
• Monitor ongoing credit risk and assign risk ratings.
• Collaborate with relationship managers through loan life cycle.
• Ensure compliance with credit policies and regulatory requirements.

Skills

Credit risk analysis

Financial modeling

Attention to detail

Communication skills

Microsoft Office

Education

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

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank in New York is seeking a Commercial Credit Senior Associate to assess and manage credit risk for commercial clients. You will analyze financial statements, underwrite new requests, and monitor the loan portfolio, acting as a bridge between relationship managers and credit risk management to enable sound lending decisions.

This client-facing role requires strong financial modeling, attention to detail, and the ability to structure transactions while ensuring compliance with policy and