Commercial Credit Senior Associate (Engineering & Construction)

Location: Hybrid, requiring four days per week in an M&T corporate office in Rochester, NY; Buffalo, NY; Radnor, PA; Springfield, MA; or Boston, MA. The role supports the New England and/or Delaware regions.

Salary: $103,000–$171,600 annual USD.

Company

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

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and throughout the life of the loan.
• Manage commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, early-warning indicators, and other surveillance activities.
• Analyze financial statements, tax returns, due diligence reports, appraisals, credit information, industry research, and peer data to assess credit quality and risk ratings.
• Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, guarantor analyses, and financial statement spreads.
• Recommend transaction structures, terms, conditions, controls, collateral, guarantors, and risk mitigants based on company, base-case, and downside scenarios.
• Partner with relationship managers, participate in client calls and credit committees, support transaction execution teams, and help train junior analysts.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field, plus five years of experience in commercial credit, public accounting, financial statement preparation and analysis, or related financial analysis; an alternative path requires nine years of combined higher education and work experience, including five relevant years.
• Strong analytical skills, including financial modeling, credit metrics, ratio interpretation, and trend analysis.
• Ability to understand and negotiate legal documentation and independently structure commercial credit transactions.
• Excellent written and verbal communication, critical thinking, problem-solving, organization, and attention to detail.
• Ability to work independently and collaboratively, maintain customer relationships, and use Microsoft Office.
• Engineering and Construction commercial credit experience is highly preferred; experience with Capital IQ, FactSet, or Bloomberg is preferred.

Culture & Benefits

• Hybrid work arrangement with four required in-office days per week.
• Work across the full commercial credit lifecycle, from new relationships and amendments to ongoing portfolio monitoring.
• Collaboration with relationship managers, credit professionals, internal stakeholders, and commercial banking teams across the bank’s footprint.
• Responsibilities include maintaining internal control standards and complying with regulatory, audit, and commercial credit policies.