обновлено 6 часов назад
Commercial Credit Senior Associate (CRE)
119 500 - 199 100$
Мэтч & Сопровод
Для мэтча с этой вакансией нужен Plus
Описание вакансии
Текст:
TL;DR
Commercial Credit Senior Associate (CRE) (Commercial Credit/Financial Modeling): Underwriting and managing commercial real estate credit transactions and portfolios with an accent on financial statement analysis, risk rating, loan structuring, and regulatory compliance. Focus on building downside-case models, monitoring emerging credit risks, evaluating collateral and covenants, and supporting complex transaction approvals.
Location: Hybrid role requiring four days per week in-office, ideally in Boston, MA, with potential work locations in Danvers, MA or Belmont, MA.
Salary: $119,500–$199,100 annual USD.
Company
M&T Bank provides commercial banking and credit services for business clients.
What you will do
- Underwrite new commercial real estate credit requests and material modifications from deal screening through approval and the life of the loan.
- Manage commercial credit portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning surveillance.
- Analyze financial statements, tax returns, appraisals, due diligence reports, credit bureau data, industry research, and peer information.
- Prepare financial models, cash-flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and risk-rating recommendations.
- Partner with relationship managers, analysts, clients, and credit committees to structure transactions and present credit recommendations.
- Ensure compliance with commercial credit policies, regulatory standards, internal controls, and audit requirements.
Requirements
- Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus five years of relevant commercial credit or financial analysis experience; equivalent experience may be accepted.
- Commercial real estate credit experience is required.
- Strong financial modeling, credit-metric analysis, financial-ratio interpretation, and trend-analysis skills.
- Ability to analyze and negotiate legal documentation, structure transactions, and work independently with limited supervision.
- Excellent verbal and written communication, critical-thinking, problem-solving, organizational, and relationship-building skills.
- Proficiency in Microsoft Office and ability to work four days per week from an approved Massachusetts office location.
Nice to have
- Experience with CoStar, ARGUS, Green Street, or nCino.
Culture & Benefits
- Hybrid work arrangement with regular in-office collaboration.
- Opportunity to support commercial clients throughout the full credit lifecycle.
- Responsibilities include contributing to junior and newly hired analyst training.
- Work is performed within defined risk appetite, regulatory, and internal-control standards.
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