Commercial Credit Senior Analyst

Location: Hybrid position in Boston, Massachusetts, United States of America.

Salary: $83,000–$138,300 annual USD.

Company

M&T Bank provides commercial banking and credit services, including underwriting, credit assessment, risk rating, and portfolio monitoring throughout the credit lifecycle.

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and throughout the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, early-warning indicators, and other credit surveillance activities.
• Review financial statements, tax returns, due diligence reports, credit bureau information, appraisals, internal credit data, industry research, and peer data.
• Prepare credit analyses, risk ratings, cash-flow and collateral schedules, covenant sensitivity calculations, financial and projection models, and guarantor statement analyses.
• Partner with relationship managers, attend client and prospect calls, recommend transaction structures, and present credit analyses during approval discussions or committee presentations.
• Ensure compliance with commercial credit policy, risk and regulatory standards, internal controls, audit requirements, and escalation procedures.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field and 2 years of experience in commercial credit, public accounting, financial statement preparation and analysis, or other financial analysis. In lieu of a degree, 6 combined years of higher education and work experience are required, including 2 years of relevant experience.
• Strong analytical skills with proficiency in financial modeling and credit-metric analysis.
• Strong verbal and written communication skills.
• Critical-thinking and problem-solving abilities.
• High attention to detail and accuracy.
• Strong organizational and time-management skills.
• Ability to work independently and as part of a team.
• Customer-focused approach with strong interpersonal skills.
• Proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, and Bloomberg.

Culture & Benefits

• Hybrid work arrangement in Boston.
• Work with commercial banking relationship managers across the bank’s footprint and industry verticals.
• Customer interaction is expected, with independent work under limited supervision.
• Work environment supports belonging and reflects the M&T Bank brand.
• Fair, competitive, and market-informed compensation.