Commercial Credit Senior Analyst

Overview

A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the ongoing monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.

Primary Responsibilities

• Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan, including recommending adding or removing conditions.
• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, such as annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other forms of credit surveillance.
• Review all pertinent credit and financial information—including financial statements, tax returns, due‑diligence reports, credit bureau data, appraisals, internal credit information, industry research, and peer data—to determine the need for further investigation or additional information.
• Analyze financial information and related materials and complete credit analyses for the Bank’s commercial transactions, providing an independent credit quality assessment, risk rating, identification of credit risks and mitigants, industry concerns, market and financial trends, and other pertinent credit issues.
• Make appropriate structure recommendations based on analysis of the company’s case, the bank’s base case, and a downside case.
• Identify suspicious activity or activity contrary to the customer’s interest as part of ongoing portfolio risk management.
• Partner proactively with relationship managers (RMs) throughout the deal process—from screen through approval and for the life of the loan—to maintain timely and accurate risk ratings for a portfolio of commercial credits.
• Spread financial statements and prepare financial/projection models designed to sensitize various conditions impacting the proposed transaction.
• Prepare cash‑flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
• Attend client/prospect calls with RMs to gain a thorough understanding of the client’s business and effectively analyze and underwrite the proposed transaction, recommending a risk rating based on underwriting parameters.
• Prepare summaries, present facts, and offer opinions concerning credit‑worthiness; present analysis or address questions during credit request discussions or committee presentations.
• Ensure credit policy compliance by verifying adherence to the Commercial Credit Policy and commenting on any risk associated with non‑compliance.
• Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite; identify risk‑related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points and addressing issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Scope of Responsibilities

Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to material modifications or restructurings of long‑term relationships and ongoing monitoring through the life of the loan. The team ensures accurate completion of risk‑rating scorecards and financial statement spreads, which are used to make credit decisions for new, renewed, or amended transactions. The position interacts with commercial banking relationship managers across the bank’s footprint and industry verticals, as well as other internal personnel on credit approvals, and involves direct customer interaction. Works independently with limited supervision.

Education and Experience Required

• Bachelor's degree in Accounting, Finance, Economics or a related field and 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis.
• In lieu of a degree, a combined minimum of 6 years of higher education and work experience, including 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis.
• Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
• Strong verbal and written communication skills.
• Critical thinking and problem‑solving abilities.
• Attention to detail with a high level of accuracy.
• Strong organizational and time‑management skills.
• Ability to work independently and as part of a team.
• Customer‑focused with strong interpersonal skills.
• Proficiency with Microsoft Office.

Education and Experience Preferred

• Experience with Capital IQ, FactSet, and Bloomberg.

Pay

The pay range for this position is $78,700.00 – $131,100.00 annually (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Baltimore, Maryland, United States of America