Commercial Credit Associate – Portfolio Management, Credit Underwriting

M&T Bank

Commercial credit associate underwriting and monitoring commercial loans for M&T Bank. Analyzing financial statements, modeling scenarios, assessing risk, and supporting lending decisions across the loan lifecycle.

Posted 8/4/2026full-timeRemote • Alabama • 🇺🇸 United StatesJuniorMid-Level💰 $85,800 - $143,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial credit underwriting, financial statement analysis, and risk assessment, with a strong focus on compliance and regulatory standards. Capable of leading teams and providing mentorship while maintaining high attention to detail and accuracy in financial modeling and credit evaluations.

Highest-signal resume keywords

Commercial Credit UnderwritingFinancial Statement AnalysisCredit Risk AssessmentFinancial ModelingRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisFinancial Ratio CalculationTrend AnalysisCovenant MonitoringCash Flow AnalysisIndependent Credit AnalysisRisk RatingCredit Metric AnalysisDue Diligence ReviewProblem Loan Management

Soft Skills

Strong Verbal CommunicationStrong Written CommunicationCritical ThinkingProblem-SolvingOrganizational Skills

Tools & Technologies

Microsoft Office

Industry Keywords

Commercial Credit PolicyLoan Life CycleInternal Control StandardsAudit FindingsFinancial Trends

About the role

Key responsibilities & impact

Underwrite new commercial credit requests and material modifications from deal screen through approval and throughout the loan life cycle
Monitor existing loan portfolios through continuous credit monitoring, 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 independent credit analyses, risk ratings, credit risk assessments, and structure recommendations across base, company, and downside scenarios
Identify suspicious activity, emerging credit risk, risk mitigants, industry concerns, market trends, and financial trends
Partner with relationship managers throughout the deal process and attend client or prospect calls
Spread financial statements and prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses
Present analyses, facts, opinions, and creditworthiness assessments during credit discussions and committee presentations
Verify compliance with the Commercial Credit Policy and escalate risk-related issues to management
Maintain internal control standards and implement audit and regulatory findings
Provide input into the development and training of junior or newly hired analysts
Lead transaction execution teams in partnership with Commercial Credit Analysts

Requirements

What you’ll need

Bachelor's degree in Accounting, Finance, Economics, or a related field
At least 4 years of experience in commercial credit, public accounting, and financial statement analysis
In lieu of a degree, a combined minimum 8 years of higher education and work experience, including at least 4 years 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 credit metric analysis
Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
Familiarity with legal documents and structural elements
Critical thinking and problem-solving abilities
High attention to detail and accuracy
Strong organizational and time management skills
Ability to work independently and as part of a team
Customer-focused interpersonal skills
Proficiency with Microsoft Office

Benefits

Comp & perks

Medical benefits
Retirement benefits
Forty hours of paid volunteer time each year
Competitive, market-informed pay
Equal employment opportunity protections