Commercial Credit Senior Associate, CRE - Construction Monitoring

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

Salary: $125,600–$209,400 annual (USD)

Company

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

What you will do

• Underwrite new commercial real estate credit requests and material modifications from deal screening through approval and throughout the loan lifecycle.
• Manage ongoing credit risk 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 bureau data, industry research, and peer data.
• Prepare financial models, cash flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and risk ratings.
• Partner with relationship managers, commercial credit analysts, clients, prospects, and credit committees on transaction execution and portfolio management.
• Ensure compliance with commercial credit policies, regulatory standards, internal controls, audit requirements, and the company’s risk appetite.

Requirements

• Bachelor’s degree in accounting, finance, economics, or a related field, plus 5 years of relevant experience; alternatively, 9 years of combined higher education and work experience including 5 years of relevant experience.
• Experience in commercial credit, public accounting, financial statement preparation and analysis, or financial analysis.
• Strong analytical skills, including financial modeling, credit metrics, ratio analysis, and trend analysis.
• Ability to structure transactions, understand and negotiate legal documentation, and work independently with limited supervision.
• Excellent written and verbal communication, critical thinking, organization, accuracy, and relationship-building skills.
• Proficiency in Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, nCino, or ARGUS.
• Experience with construction monitoring portfolio management and underwriting.

Culture & Benefits

• Competitive, market-informed annual compensation.
• Opportunity to contribute to an environment that supports belonging and reflects the M&T Bank brand.
• Responsibility for maintaining internal control standards and addressing audit or regulatory findings.