Commercial Credit Associate, Large Corporate

M&T Bank

. Underwrite new credit requests and material modifications from deal screen through approval and for the life of the loan .

Posted 10/15/2026full-timeRemote • Alabama • United StatesMid-Level💰 $97,100 - $161,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit underwriting, financial analysis, and risk management, with a strong focus on compliance with commercial credit policies and effective communication with stakeholders. Proficient in financial modeling, credit quality assessments, and maintaining accurate portfolio risk ratings.

Highest-signal resume keywords

Credit UnderwritingFinancial ModelingRisk ManagementCredit AnalysisCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCredit Risk AssessmentTrend AnalysisFinancial Ratio CalculationCovenant MonitoringCredit Quality AssessmentProblem Loan ManagementCash Flow AnalysisCollateral Schedule PreparationGuarantor Statement Analysis

Soft Skills

Analytical SkillsAttention to DetailOrganizational SkillsTime ManagementCritical Thinking

Tools & Technologies

Microsoft OfficeCapital IQFactSetBloomberg

Industry Keywords

Commercial CreditPublic AccountingFinancial AnalysisCredit ConditionsRegulatory ComplianceCreditworthinessClient InteractionPortfolio Risk RatingsDue DiligenceMarket Trends

About the role

Key responsibilities & impact

Underwrite new credit requests and material modifications from deal screen through approval and for the life of the loan
Recommend adding or removing credit conditions and work with senior team members on complex transactions
Manage ongoing credit risk through continuous credit monitoring, including annual reviews, interim update memos, covenant monitoring, problem loan management, and early warning indicators
Review financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data
Complete credit analyses with independent credit quality assessments, risk ratings, credit risks and mitigants, industry concerns, market trends, and financial trends
Recommend transaction structures based on company, bank base, and downside scenarios
Identify suspicious activity and activity contrary to customer interests
Partner with relationship managers throughout the deal process and maintain timely, accurate portfolio risk ratings
Spread financial statements and prepare financial models, cash flow analyses, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses
Attend client/prospect calls and recommend risk ratings
Prepare summaries, present facts, offer opinions on creditworthiness, and present analyses during credit discussions or committee presentations
Ensure underwriting complies with the Commercial Credit Policy and escalate risk-related issues to management
Adhere to company risk, regulatory, policy, control, and audit standards
Support belonging and the M&T Bank brand
Provide input into development and training of junior/newly hired Analysts
Complete other related duties as assigned

Requirements

What you’ll need

Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years’ experience in commercial credit, public accounting, and financial statement analysis
In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
Strong verbal and written communication skills
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics
Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
Familiarity with legal documents and how to efficiently understand structural elements
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 a part of a team
Customer focused with strong interpersonal skills
Proficiency with Microsoft Office
Experience with Capital IQ, FactSet, and Bloomberg preferred