Commercial Credit Associate

Location: New York, New York, United States of America

Salary: $104,700–$174,500 annual (USD)

Company

M&T Bank provides commercial banking and credit services for business clients.

What you will do

• Underwrite new commercial credit requests, material modifications, renewals, and restructurings from deal screening through approval and throughout the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, industry research, and peer data to assess credit quality and emerging risks.
• Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, financial statement spreads, and financial models.
• Partner with relationship managers, attend client and prospect calls, lead transaction execution with Analysts, and present credit recommendations during approval and committee discussions.
• Ensure compliance with commercial credit policies, regulatory standards, internal controls, audit requirements, and risk escalation procedures.

Requirements

• Bachelor's degree in Accounting, Finance, Economics, or a related field, plus at least 4 years of experience in commercial credit, public accounting, or financial statement analysis; an alternative combination of education and experience is accepted.
• Strong analytical, critical-thinking, problem-solving, verbal, and written communication skills.
• Proficiency in financial modeling, credit metrics, financial ratios, data analysis, and trend analysis.
• Ability to understand legal documents and structural elements of commercial transactions.
• Strong attention to detail, organization, time management, interpersonal, and customer-focused skills.
• Proficiency with Microsoft Office and ability to work independently and collaboratively.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Development-focused account coverage role with exposure to complex commercial credit transactions.
• Opportunities to work with senior credit professionals, commercial banking relationship managers, and Analysts.
• Participation in training and development of junior or newly hired Analysts.
• Work supporting the Bank's risk management, regulatory, audit, and internal control standards.