Senior Associate, Financial Institutions

M&T Bank

. Focus on transaction execution and portfolio management, partnering with senior team members on complex transactions and account coverage .

Posted 10/20/2026full-timeUnited StatesSenior💰 $142,100 - $236,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in commercial credit underwriting and financial analysis, with strong capabilities in credit risk management, financial modeling, and compliance with credit policies. Proficient in analyzing financial statements and market trends to inform transaction structures and creditworthiness assessments.

Highest-signal resume keywords

Commercial Credit UnderwritingFinancial ModelingCredit Risk ManagementAnalytical SkillsCommunication Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Financial Statement AnalysisCredit Risk AssessmentTrend AnalysisCovenant MonitoringCredit Quality AssessmentRisk RatingCash Flow AnalysisCollateral AnalysisProblem Loan ManagementLegal Documentation Analysis

Soft Skills

Critical ThinkingProblem-SolvingAttention to DetailOrganizational SkillsInterpersonal Skills

Tools & Technologies

Microsoft OfficeCapital IQFactSetBloomberg

Industry Keywords

Commercial CreditFinancial InstitutionsPublic AccountingInsurance AccountingAsset ManagementBroker DealersBDCMSRs

About the role

Key responsibilities & impact

Focus on transaction execution and portfolio management, partnering with senior team members on complex transactions and account coverage
Underwrite new credit requests and material modifications from deal screen through approval and throughout the life of the loan
Manage ongoing credit risk through annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance
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 customers’ interests
Partner with relationship managers throughout the deal process and maintain timely, accurate risk ratings
Spread financial statements and prepare financial models, cash flow analyses, collateral schedules, covenant sensitivity calculations, and guarantor statement analyses
Attend client and prospect calls with relationship managers
Prepare summaries, present facts, offer opinions on creditworthiness, and assist with loan request structures, terms, conditions, controls, collateral, and guarantors
Ensure underwriting compliance with commercial credit policy and address questions during credit discussions or committee presentations
Identify risk-related issues requiring escalation and maintain internal control standards
Provide input into development and training of junior or newly hired analysts

Requirements

What you’ll need

Bachelor's degree in Accounting, Finance, Economics, or related field and 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
In lieu of a degree, a combined minimum 9 years’ higher education and work experience, to include 5 years’ experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis
Significant experience in large corporate financial institutions or counterparty credit underwriting and analysis, with expertise in insurance, especially statutory accounting preferred
Exposure to MSRs, BDCs, Broker Dealers and Asset Managers a plus
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
Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently
Excellent verbal and written communication skills
Critical thinking and problem-solving abilities
Attention to detail and high level of accuracy
Ability to work independently and as a part of a team
Strong organizational and time management skills
Customer focused with strong interpersonal and relationship building skills
Proficiency in Microsoft Office
Experience with Capital IQ, FactSet, and Bloomberg preferred