Senior Commercial Credit Lead, Large Corporate

M&T Bank; Pittsburgh (Allegheny County); On-site; USD 116,000 - 194,000; Full time

Job summary

M&T Bank in Pittsburgh, PA seeks a Senior Commercial Credit Associate to assess and manage credit risk for commercial clients. You will underwrite new requests, monitor portfolios, and ensure regulatory compliance, working closely with relationship managers.

The role emphasizes completing robust credit analyses, cash flow projections, and risk ratings, while aligning with bank policy and market conditions to drive sound lending decisions and portfolio performance.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• In lieu of a degree, a combined minimum 9 years’ higher education and work experience, to include 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
• Excellent verbal and written communication skills.
• Critical thinking and problem-solving abilities.
• Attention to detail and high level of accuracy.
• Ability to work independently and as a part of a team.
• Strong organizational and time management skills.
• Customer focused with strong interpersonal and relationship building skills.
• Proficiency in Microsoft Office.

Responsibilities

• Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage.
• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling timely identification of emerging credit risk.
• Review all pertinent credit and financial information and determine the need for more thorough investigation or additional information.
• Analyze financial information and complete the credit analyses with independent credit quality assessment and risk considerations.
• Make appropriate structure recommendations based on analyzed scenarios including base, upside, and downside cases.
• Identify suspicious activity and risk considerations within the loan portfolio.
• Partner with RMs throughout the deal process to maintain timely and accurate risk ratings and prepare financial models.
• Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
• Attend client/prospect calls with RMs to understand client business and assess risk; recommend risk rating.
• Prepare summary, present facts, and offer opinions concerning credit-worthiness and loan structure suggestions.
• Demonstrate understanding of the financial regulatory environment as it applies to underwriting commercial credit transactions.
• Ensure credit policy compliance and address questions during discussions or committee presentations.
• Adhere to the Company’s risk and regulatory standards and escalate risk-related issues as needed.
• Promote an environment reflecting the M&T Bank brand and values.
• Maintain internal control standards and address audit points and regulatory concerns.
• Complete other related duties as assigned.

Skills

Financial modeling

Credit analysis

Communication skills

Attention to detail

Microsoft Office

Education

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

9+ years combined education and work experience in lieu of degree

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank in Pittsburgh, PA seeks a Senior Commercial Credit Associate to assess and manage credit risk for commercial clients. You will underwrite new requests, monitor portfolios, and ensure regulatory compliance, working closely with relationship managers.

The role emphasizes completing robust credit analyses, cash flow projections, and risk ratings, while aligning with bank policy and market conditions to drive sound lending decisions and portfolio performance.