Commercial Credit Analyst, Commercial Real Estate

Location: Radnor, Pennsylvania, United States of America; hybrid position

Salary: $68,400.00–$114,000.00 annual (USD)

Company

M&T Bank provides commercial banking and credit services, including underwriting and portfolio management for commercial clients.

What you will do

• Analyze new commercial credit requests, material modifications, restructurings, and transactions from initial screening through approval and the life of the loan.
• Monitor existing commercial real estate portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, early-warning indicators, and other credit surveillance.
• Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit data, industry research, and peer data to assess creditworthiness.
• Prepare credit analyses, risk ratings, financial and projection models, cash flow analyses, collateral schedules, covenant sensitivities, and guarantor statement analyses.
• Recommend transaction structures and risk mitigants based on company, bank base, and downside scenarios; present analysis during credit discussions or committee presentations.
• Partner with relationship managers, attend client and prospect calls, maintain accurate bank-system data, and support policy, compliance, audit, and operational risk controls.

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 other financial analysis.
• In lieu of a degree, a combined minimum of five years of 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 and accuracy, with 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

• Full-time hybrid work arrangement in Radnor, Pennsylvania.
• Work independently under general supervision while collaborating with credit officers, relationship managers, and other bank personnel.
• Customer interaction and participation in client and prospect calls are expected.
• Commitment to belonging, internal control standards, regulatory compliance, and timely resolution of audit and regulatory issues.
• Compensation is market-informed, with the specific salary determined by the successful candidate’s knowledge, skills, and experience.