Commercial Credit Senior Associate (CRE)

Location: Buffalo, New York, United States of America

Salary: $103,000–$171,600 annual (USD)

Company

M&T Bank provides commercial banking and credit services, supporting clients throughout the full commercial credit lifecycle.

What you will do

• Underwrite new commercial real estate credit requests and material loan modifications from deal screening through approval and throughout the life of the loan.
• Manage commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, early-warning indicators, and other credit surveillance activities.
• Analyze financial statements, tax returns, appraisals, due diligence reports, credit bureau information, industry research, and peer data.
• Prepare financial models, cash-flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and risk-rating recommendations.
• Recommend loan structures, terms, conditions, controls, collateral, and guarantors across base-case and downside scenarios.
• Partner with relationship managers, analysts, credit committees, clients, and internal stakeholders while presenting credit analyses and escalating risk issues.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field, plus 5 years of relevant commercial credit or financial analysis experience; an alternative education and experience combination is accepted.
• Strong analytical skills, including financial modeling, credit metrics, ratio analysis, and trend analysis.
• Ability to understand and negotiate legal documentation, perform structural analysis, and independently structure transactions.
• Understanding of financial regulatory requirements and commercial credit policy compliance.
• Excellent written and verbal communication, critical thinking, attention to detail, organization, and ability to work independently and collaboratively.
• Proficiency in Microsoft Office and strong customer-facing relationship-building skills.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.
• Experience underwriting commercial real estate loans.

Culture & Benefits

• Full-time employment within a commercial banking organization.
• Opportunity to lead transaction execution with a Commercial Credit Analyst and contribute to analyst training.
• Work includes customer interaction and collaboration with relationship managers across banking teams and industry verticals.
• Responsibilities operate within defined risk appetite, internal controls, audit requirements, and regulatory standards.