Commercial Credit Senior Associate (Engineering & Construction)

Location: Hauppauge, New York, United States of America; hybrid position.

Salary: $125,600–$209,400 annual (USD).

Company

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

What you will do

• Execute commercial credit transactions and manage loan portfolios for Engineering & Construction clients.
• Underwrite new credit requests and material modifications from deal screening through approval and throughout the life of the loan.
• Monitor portfolio credit risk through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Analyze financial statements, tax returns, due diligence, appraisals, credit reports, industry research, and peer data.
• Prepare financial models, cash-flow and collateral schedules, covenant sensitivity calculations, guarantor analyses, risk ratings, and structure recommendations.
• Partner with relationship managers, attend client calls, present analyses to credit committees, and support transaction execution teams.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field and 5 years of experience in commercial credit, public accounting, financial statement preparation and analysis, or other financial analysis; alternatively, 9 years of combined higher education and work experience, including 5 years in these areas.
• Strong analytical skills, including financial modeling, credit metrics, financial-ratio interpretation, data analysis, and trend analysis.
• Emerging proficiency in understanding and negotiating legal documentation, structural analysis, and independently structuring transactions.
• Excellent verbal and written communication, critical-thinking, problem-solving, attention to detail, and accuracy.
• Ability to work independently and collaboratively, with strong organization and time-management skills.
• Customer-focused interpersonal and relationship-building skills.
• Proficiency in Microsoft Office.
• Ability to understand and apply commercial credit policies, financial regulatory requirements, risk standards, controls, and risk-appetite requirements.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.
• Experience with nCino.
• Experience underwriting Engineering & Construction loans.

Culture & Benefits

• Hybrid work arrangement in Hauppauge, New York.
• Customer-facing role with interaction across relationship managers, credit teams, and internal stakeholders.
• Opportunity to provide input into the development and training of junior or newly hired analysts.
• Commitment to belonging, internal controls, audit remediation, and regulatory compliance.