Commercial Credit Senior Associate, CRE

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

Salary: $125,600–$209,400 annually

Company

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

What you will do

• Underwrite new commercial credit requests and material modifications from initial deal screening through approval and throughout the loan lifecycle.
• Manage transaction execution and portfolio coverage in partnership with relationship managers and senior credit team members.
• Monitor ongoing credit risk through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Analyze financial statements, tax returns, appraisals, due diligence reports, industry research, credit bureau data, and other credit information.
• Prepare cash-flow analyses, collateral schedules, covenant sensitivities, financial models, guarantor analyses, and risk-rating recommendations.
• Present credit analyses, structure recommendations, risks, mitigants, and policy-compliance matters during credit discussions and committee presentations.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus 5 years of experience in commercial credit, public accounting, financial statement preparation and analysis, or related financial analysis; equivalent education and experience may be considered.
• Strong analytical skills, including financial modeling, credit metrics, financial-ratio interpretation, and trend analysis.
• Emerging proficiency in legal-documentation review and negotiation, structural analysis, and independent transaction structuring.
• Excellent verbal and written communication, critical-thinking, problem-solving, organizational, and time-management skills.
• Ability to work independently and collaboratively, lead transaction-execution teams, and build customer relationships.
• Proficiency in Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.
• Experience underwriting commercial real estate loans.

Culture & Benefits

• Work is performed within the bank’s commercial credit, risk, regulatory, and internal-control standards.
• The role includes customer interaction and collaboration with relationship managers across banking teams and industry verticals.
• Opportunity to contribute to training and development of junior and newly hired analysts.
• Responsibilities include addressing internal audit points and applicable issues raised by external regulators.