Commercial Credit Analyst, Healthcare

Location: Buffalo, New York, United States. Other available locations include Radnor, Pennsylvania, and New York, New York.

Salary: $62,200–$103,600 USD annually

Company

M&T Bank provides commercial banking and credit services for business clients across multiple industries, including healthcare.

What you will do

• Analyze new commercial credit requests, material modifications, renewals, and restructurings from initial screening through approval and the life of the loan.
• Monitor existing 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 data, appraisals, industry research, and peer information to assess creditworthiness.
• Prepare independent credit assessments, risk ratings, cash-flow analyses, collateral schedules, covenant sensitivities, guarantor analyses, and financial projections.
• Recommend transaction structures and risk mitigants across company-case, bank-base-case, and downside scenarios.
• Partner with relationship managers, attend client calls, present analyses in credit discussions, and support policy, compliance, and audit requirements.

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 or analysis, or another form of financial analysis.
• Alternatively, five years of combined 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, accuracy, organization, and time-management skills.
• Ability to work independently and collaboratively with internal banking teams and customers.
• Proficiency with Microsoft Office.

Nice to have

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

Culture & Benefits

• Work supports the full commercial credit lifecycle, from new relationship analysis through ongoing portfolio management.
• Collaboration with relationship managers, credit officers, and banking personnel across the bank’s footprint.
• Responsibilities include maintaining internal control standards and addressing audit or regulatory findings.
• Work is performed independently under general supervision with customer interaction expected.