Commercial Credit Senior Associate - CRE (Commercial Real Estate)

Location: Stamford, Connecticut, United States

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 credit requests, material modifications, renewals, and restructurings from deal screening through approval and throughout the life of each loan.
• Monitor commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Analyze financial statements, tax returns, appraisals, due diligence reports, credit bureau data, industry research, and peer data.
• Prepare cash-flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, financial models, and risk ratings.
• Recommend transaction structures, terms, conditions, controls, collateral, and guarantors based on base-case and downside scenarios.
• Partner with relationship managers, customers, credit committees, and internal stakeholders throughout transaction execution and portfolio management.

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.
• Alternatively, 9 years of combined higher education and work experience, including 5 years in a relevant financial analysis or commercial credit discipline.
• Strong analytical skills, including financial modeling, credit metrics, ratio interpretation, and trend analysis.
• Emerging proficiency in legal documentation, structural analysis, and independently structuring transactions.
• Excellent verbal and written communication, critical thinking, organization, attention to detail, and problem-solving skills.
• Proficiency in Microsoft Office and the ability to work independently and collaboratively with customers and relationship managers.

Nice to have

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

Culture & Benefits

• Work supports commercial credit delivery throughout the full credit lifecycle.
• Opportunity to lead transaction execution in partnership with a Commercial Credit Analyst.
• Input into the development and training of junior and newly hired analysts.
• Responsibilities include adherence to risk, regulatory, internal control, and audit standards.