Senior Commercial Credit Associate – Engineering & Construction

M&T Bank

Commercial Credit Senior Associate managing credit risk for commercial clients at M&T Bank. Analyzing financial statements and ensuring compliance with credit policies and regulatory requirements.

Posted 5/31/2026full-timeRochester • Massachusetts, New York, Pennsylvania • 🇺🇸 United StatesSenior💰 $103,000 - $171,600 per yearWebsite

About the role

Key responsibilities & impact

Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage
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
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating
Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data
Determine the need for more thorough investigation or additional information, and coordinate gathering of such information
Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions
Prepare summary, present facts, and offers opinions concerning credit-worthiness
Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors.

Requirements

What you’ll need

Bachelor's degree in Accounting, Finance, Economics, or related field
5 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
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.

Benefits

Comp & perks

Health insurance
401(k) matching
Paid time off
Flexible working hours
Professional development opportunities

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisfinancial modelingfinancial statement preparationcredit metrics analysistrend analysisrisk ratingunderwritingloan structuringcredit monitoringfinancial ratio calculation

Soft Skills

analytical skillsverbal communicationwritten communicationcritical thinkingproblem-solvingattention to detailorganizational skillstime managementinterpersonal skillscustomer focus