Commercial Credit Analyst (Engineering & Construction)

Location: Boston, Massachusetts, United States of America

Salary: $72,200–$120,300 annual (USD)

Company

M&T Bank provides commercial banking and credit services throughout its banking footprint.

What you will do

• Analyze new commercial credit requests, material modifications, renewals, and restructurings from deal screening through approval and the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Review financial statements, tax returns, due diligence reports, appraisals, credit bureau information, industry research, and peer data to assess creditworthiness.
• Prepare independent credit analyses covering risk ratings, credit risks and mitigants, industry and market trends, financial trends, and policy compliance.
• Build financial and projection models, cash-flow analyses, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses.
• Partner with relationship managers, attend client calls, present analyses during credit discussions, and maintain accurate data in bank systems.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least one year of experience in commercial credit, public accounting, financial statement preparation and analysis, or another form of financial analysis.
• Alternatively, five years of combined higher education and/or work experience, including at least one year of relevant financial analysis experience.
• Strong verbal and written communication, analytical, critical-thinking, and problem-solving skills.
• High attention to detail, accuracy, organization, and time-management skills.
• Ability to work independently and collaboratively, with strong customer-focused interpersonal skills.
• Proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Work supports the full commercial credit lifecycle, from initial analysis to ongoing portfolio monitoring.
• Collaboration with credit officers, relationship managers, and other banking personnel across industry verticals.
• Exposure to customer and prospect calls, credit request discussions, and committee presentations.
• Responsibilities include compliance with commercial credit policies, regulatory standards, and internal control requirements.
• Compensation is market-informed and based on the candidate’s knowledge, skills, and experience.