Commercial Credit Senior Analyst (C&I)

Location: Hybrid position in Radnor, Pennsylvania, United States of America.

Salary: $78,700–$131,100 USD annually.

Company

M&T Bank provides commercial banking and credit services across 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 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 bureaus, appraisals, industry research, peer data, and internal credit information.
• Prepare credit analyses, risk ratings, cash-flow and collateral schedules, covenant sensitivity calculations, financial and projection models, guarantor analyses, and structure recommendations.
• Partner with relationship managers, attend client and prospect calls, and present analyses or address questions during credit discussions and committee presentations.
• Ensure compliance with commercial credit policy, risk standards, internal controls, audit requirements, and regulatory expectations; escalate risk issues when needed.

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 years of combined higher education and work experience, including 2 years in one of these areas, is accepted.
• Strong analytical skills with proficiency in financial modeling and credit-metric analysis.
• Strong verbal and written communication, critical-thinking, and problem-solving skills.
• Attention to detail, high accuracy, strong organization, and time-management skills.
• Ability to work independently with limited supervision and as part of a team.
• Customer-focused approach with strong interpersonal skills.
• Proficiency with Microsoft Office.
• Ability to support customer interaction and collaborate with commercial banking relationship managers and internal credit personnel.

Nice to have

• Experience with Capital IQ, FactSet, and Bloomberg.

Culture & Benefits

• Hybrid work arrangement in Radnor, Pennsylvania.
• Work supports belonging and reflects the M&T Bank brand.
• Role operates within the company’s risk appetite, regulatory standards, policies, controls, and internal-control framework.
• Pay is market-informed and based on the successful candidate’s knowledge, skills, and experience.