Commercial Credit Analyst, CRE

Location: Buffalo, New York, United States of America

Salary: $62,200–$103,600 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, renewals, and restructurings from deal screening through approval and the life of the loan.
• Review financial statements, tax returns, appraisals, credit reports, due diligence, industry research, and peer data to assess creditworthiness.
• Prepare credit analyses, risk ratings, cash flow models, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses.
• Monitor existing loan portfolios through annual reviews, interim updates, covenant monitoring, early warning indicators, and problem loan management.
• Recommend transaction structures and risk mitigants under company, bank base-case, and downside scenarios.
• Partner with relationship managers, participate in client calls and credit discussions, and present analysis to credit committees.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least one year of relevant commercial credit or financial analysis experience; an equivalent combination of education and experience may be considered.
• Strong verbal and written communication, analytical, critical-thinking, and problem-solving skills.
• High attention to detail, accuracy, organization, and time-management skills.
• Ability to work independently and collaboratively, with strong customer-focused interpersonal skills.
• Proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.

Culture & Benefits

• Work supports commercial credit delivery throughout the full credit lifecycle.
• Collaboration with credit officers, bank personnel, and commercial banking relationship managers.
• Responsibilities include maintaining internal control standards and addressing audit or regulatory issues.
• Commitment to fair, competitive, and market-informed compensation.