Senior Commercial Credit & Risk Analyst

M&T Bank; Buffalo (NY); On-site; USD 62,000 - 104,000; Full time

Job summary

M&T Bank in Buffalo, NY seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will analyze financials, prepare projections, and assist relationship managers throughout the loan life cycle.

The role emphasizes risk assessment, data accuracy, and collaboration with internal partners to maintain sound credit risk ratings and compliant practices.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics or related field; 1 year of commercial credit or financial analysis experience.
• Strong verbal and written communication, analytical ability, and attention to detail.
• Proficiency with Microsoft Office; familiarity with Capital IQ, FactSet, and Bloomberg preferred.

Responsibilities

• Perform supporting analysis and complete credit analyses for commercial transactions.
• Monitor ongoing credit risk with CCM activities and prepare risk ratings.
• Spread financial statements and build cash flow projections and covenant sensitivity analyses.
• Enter data into underwriting and portfolio management systems and support RM discussions.
• Assist in compliance with Commercial Credit Policy and risk controls.

Skills

Verbal and written communication

Analytical thinking

Attention to detail

Time management

Teamwork

Education

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

Tools

Microsoft Office

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank in Buffalo, NY seeks a Commercial Credit Analyst to support underwriting and ongoing monitoring of a portfolio of credit relationships. You will analyze financials, prepare projections, and assist relationship managers throughout the loan life cycle.

The role emphasizes risk assessment, data accuracy, and collaboration with internal partners to maintain sound credit risk ratings and compliant practices.