Commercial Credit Senior Analyst - Dealer Commercial Services

Location: Buffalo, New York, United States of America

Salary: $71,600–$119,300 annual, USD

Company

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

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and throughout the life of each loan.
• Monitor existing commercial credit portfolios through annual reviews, interim updates, covenant monitoring, early-warning indicators, and problem-loan management.
• Review financial statements, tax returns, due diligence reports, credit bureau data, appraisals, industry research, and peer information.
• Build cash-flow analyses, collateral schedules, covenant sensitivity calculations, financial models, projections, and guarantor statement analyses.
• Assess credit quality, identify risks and mitigants, recommend risk ratings and transaction structures, and present analysis during credit discussions or committee meetings.
• Partner with relationship managers and clients while ensuring compliance with commercial credit policies, risk standards, controls, and audit requirements.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least 2 years of experience in commercial credit, public accounting, financial statement analysis, or related financial analysis.
• In lieu of a degree, a combined minimum of 6 years of higher education and work experience, including 2 years of relevant financial analysis experience.
• Strong analytical, critical-thinking, problem-solving, verbal, and written communication skills.
• Proficiency in financial modeling, credit metrics, and Microsoft Office.
• Strong attention to detail, organization, time management, interpersonal skills, and the ability to work independently and collaboratively.
• Customer-focused approach with willingness to attend client and prospect calls.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Work supports commercial credit delivery across the full credit lifecycle.
• Responsibilities include maintaining internal control standards and implementing audit or regulatory findings.
• Opportunity to work with relationship managers across banking sectors and industry verticals.
• Compensation is market-informed and based on the successful candidate’s knowledge, skills, and experience.