Commercial Credit Associate

M&T Bank

Commercial Credit Associate at M&T Bank assessing credit risk for clients and managing loan portfolios. Analyzing financial statements and ensuring compliance with credit policies.

Posted 7/7/2026full-timeRemote • Alabama • 🇺🇸 United StatesJuniorMid-Level💰 $85,800 - $143,000 per yearWebsite

About the role

Key responsibilities & impact

Assessing and managing credit risk for commercial clients
Analyzing financial statements and monitoring loan portfolios
Facilitating credit needs of customers by underwriting requests
Managing ongoing credit risk of existing loan portfolios through continuous credit monitoring
Reviewing credit and financial information including financial statements and due diligence reports
Preparing cash flow, collateral schedules, financial models, and guarantor statement analysis
Ensuring compliance with credit policies and identifying risk-related issues needing escalation

Requirements

What you’ll need

Bachelor's degree in Accounting, Finance, Economics or related field
At least 4 years’ experience in commercial credit, public accounting, and financial statement 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
Strong organizational and time management skills
Proficiency with Microsoft Office

Benefits

Comp & perks

Health insurance
401(k) matching
Flexible working hours
Paid time off
Paid volunteer time

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Risk ManagementFinancial AnalysisTrend AnalysisFinancial Ratio CalculationData Analysis

Soft Skills

Verbal CommunicationWritten CommunicationOrganizational SkillsTime ManagementAnalytical Skills