Commercial Credit Analyst (Finance)

Location: Hybrid in Rockville, Maryland, with 4 days in the office; open to locations in the DC, Annapolis, and Baltimore areas.

Salary: $72,200–$120,300 annual USD, depending on location, knowledge, skills, and experience.

Company

M&T Bank provides commercial banking and credit services across the full lifecycle of commercial client relationships.

What you will do

• Analyze new commercial credit requests, material modifications, renewals, and restructurings from initial deal screening through approval and the life of the loan.
• Review financial statements, tax returns, due diligence reports, appraisals, credit bureau data, industry research, and peer data to assess creditworthiness.
• Prepare independent credit analyses, risk ratings, cash flow assessments, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses.
• Monitor commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem loan management, and early-warning indicators.
• Partner with relationship managers, participate in client calls, recommend transaction structures and risk ratings, and present analysis during credit discussions or committee meetings.
• Support policy compliance, operational risk controls, audit remediation, and accurate data entry in bank systems.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least one year of relevant experience; alternatively, five years of combined higher education and work experience including one year of relevant experience.
• Experience in commercial credit, public accounting, financial statement preparation and analysis, or other financial analysis.
• Strong verbal and written communication, analytical, critical-thinking, problem-solving, organizational, and time-management skills.
• Ability to work independently and as part of a team, with strong attention to detail and customer-focused interpersonal skills.
• Proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Full-time employment with a hybrid office-based schedule.
• Work within a commercial credit team supporting credit decisions and portfolio risk management.
• Collaboration with credit officers, relationship managers, and other banking personnel.
• Commitment to belonging, internal control standards, regulatory compliance, and audit readiness.