Commercial Credit Senior Associate (CRE)

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.