Commercial Credit Associate

Location: Buffalo, New York, United States

Salary: $85,800–$143,000 annual (USD)

Company

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

What you will do

• Underwrite new commercial credit requests, material modifications, renewals, and restructurings from deal screening through approval and the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, early-warning indicators, and problem-loan management.
• Review financial statements, tax returns, due diligence reports, appraisals, credit bureau data, industry research, and peer information.
• Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and financial models.
• Partner with relationship managers, attend client calls, recommend risk ratings, and present credit analysis during approval and committee discussions.
• Identify policy, regulatory, suspicious-activity, and other risk issues requiring escalation.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least 4 years of experience in commercial credit, public accounting, or financial statement analysis; an alternative education and experience path is available.
• Strong analytical, critical-thinking, problem-solving, verbal, and written communication skills.
• Proficiency in financial modeling, credit metrics, financial ratios, data analysis, and trend analysis.
• Familiarity with legal documents and transaction structures.
• Strong attention to detail, organization, time management, interpersonal, and customer-focused skills.
• Ability to work independently and collaboratively, with proficiency in Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Development-focused account coverage role with exposure to complex commercial credit transactions.
• Opportunity to lead transaction execution in partnership with a Commercial Credit Analyst.
• Interaction with commercial banking relationship managers and internal stakeholders across banking sectors.
• Opportunity to contribute to the training and development of junior and newly hired analysts.