Commercial Portfolio Manager II (Commercial Credit)

Location: Boston, Massachusetts, United States of America

Salary: $143,300–$238,900 annual USD

Company

M&T Bank provides commercial banking and credit services to business clients.

What you will do

• Underwrite new commercial credit requests, material modifications, renewals, and restructurings from deal screening through approval and throughout the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, covenant monitoring, interim updates, risk-rating reviews, early-warning indicators, and problem-loan management.
• Analyze financial statements, tax returns, due diligence reports, credit data, appraisals, industry research, and peer information to identify risks and mitigants.
• Recommend loan structures, terms, conditions, collateral, guarantors, and risk ratings based on base-case, company-case, and downside scenarios.
• Lead transaction execution with Associates and Analysts and collaborate with relationship managers, risk officers, sales leadership, and credit committees.
• Present credit analyses, address questions in approval discussions, identify issues requiring escalation, and maintain compliance with policies, controls, and regulatory standards.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related field, plus 7 years of experience in complex credit underwriting, specialty underwriting, or complex financial analysis; alternatively, 11 years of combined higher education and work experience including 7 relevant years.
• Advanced financial modeling, credit transaction analysis, financial-ratio interpretation, trend analysis, and risk assessment skills.
• Experience with legal documentation, independent transaction structuring, and negotiating legal documents.
• Strong written and verbal communication, critical thinking, problem-solving, organization, accuracy, and time-management skills.
• Ability to work independently, collaborate with teams, build customer relationships, and lead transaction execution.
• Proficiency in Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, and Bloomberg.

Culture & Benefits

• Individual-contributor role with direct customer interaction and broad collaboration across commercial banking teams.
• Opportunity to work on the bank’s largest, most complex, and specialized commercial loans.
• Input into the development and training of junior Analysts and Associates.
• Work guided by M&T Bank’s risk appetite, internal controls, credit policies, and regulatory standards.