Senior Commercial Credit & Underwriting Specialist

M&T Bank; Boston (MA); On-site; USD 120,000 - 199,000; Full time

Job summary

M&T Bank is seeking a Senior Commercial Credit Associate in Boston to contribute to underwriting, structuring, and ongoing monitoring of commercial credits. You will work closely with relationship managers to assess risk, prepare analyses, and manage portfolios through the life of loans.

The role emphasizes analytical rigor, collaboration across teams, and adherence to credit policy while supporting risk management across the loan portfolio.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years’ experience in commercial credit or equivalent.
• Strong analytical skills with financial modeling and analysis of credit metrics.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Office; knowledge of Capital IQ, FactSet and Bloomberg is a plus.

Responsibilities

• Underwrite new requests and modifications from deal screen through approval and life of loan.
• Monitor ongoing credit risk with CCM activities and annual/interim reviews.
• Prepare credit analyses with risk ratings, mitigants and industry trends.
• Collaborate with relationship managers to structure and monitor transactions.
• Lead or support transaction execution and portfolio management activities.

Skills

Financial modeling

Credit risk analysis

Credit metrics analysis

Communication skills

Microsoft Office

Analytical thinking

Education

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

Tools

Capital IQ

FactSet

Bloomberg

Job description

M&T Bank is seeking a Senior Commercial Credit Associate in Boston to contribute to underwriting, structuring, and ongoing monitoring of commercial credits. You will work closely with relationship managers to assess risk, prepare analyses, and manage portfolios through the life of loans.

The role emphasizes analytical rigor, collaboration across teams, and adherence to credit policy while supporting risk management across the loan portfolio.