Commercial Credit Analyst Program, All Locations

M&T Bank

Commercial Credit Analyst preparing early-career professionals for roles in corporate credit at M&T Bank. Engaging in training, credit analysis, and monitoring loan portfolios in a hybrid work environment.

Posted 7/14/2026full-timeBuffalo • Maryland, Massachusetts, New York, Pennsylvania • 🇺🇸 United StatesMid-LevelSenior💰 $30 - $44 per hourWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates strong financial statement analysis and accounting fundamentals, with the ability to prepare comprehensive credit memoranda and monitor loan portfolios for credit quality. Exhibits clear written communication skills and a professional curiosity to build a career in credit risk.

Highest-signal resume keywords

Financial Statement AnalysisCredit DocumentationMicrosoft Excel ProficiencyAnalytical MindsetTeam Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCredit Memoranda PreparationCash Flow AnalysisLeverage AnalysisLiquidity AnalysisCapital Structure EvaluationCovenant Compliance MonitoringDebt Capacity EvaluationAccounting FundamentalsDeadline Management

Soft Skills

Attention to DetailClear Written CommunicationProfessional CuriosityAdaptabilityTeamwork

Tools & Technologies

Microsoft ExcelMicrosoft WordMicrosoft PowerPoint

Industry Keywords

Credit RiskMiddle-Market BorrowersCommercial Real EstateCorporate BorrowersCredit Structuring

About the role

Key responsibilities & impact

Complete a formal training program that includes instructor-led sessions, web-based learning, individual and group activities, and on-the-job assignments.
Demonstrate active engagement in all training and cohort sessions by contributing to discussions, asking questions, participating in activities, and collaborating with peers.
Complete all program assignments, exercises, and deliverables by established deadlines and to required quality standards.
Participate in ongoing coaching and feedback sessions with senior analysts, credit associates, credit managers, and credit officers; apply feedback to improve performance.
Demonstrate progressive readiness for independent underwriting responsibilities based on performance, capability development, and consistent application of program learning.
Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of middle-market, commercial real estate, and large corporate borrowers.
Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events.
Monitor assigned loan portfolios for credit quality, covenant compliance, and early warning indicators.
Evaluate collateral, guarantor support, covenant structures, and debt capacity.
Partner with relationship managers, credit associates, and product specialists to support credit structuring.

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Economics or a related field with cumulative GPA of 3.0
Strong financial statement analysis and accounting fundamentals
Analytical mindset with attention to detail and sound judgment
Clear, concise written communication skills for credit documentation
Ability to manage multiple priorities in a deadline‑driven environment
Proficiency in Microsoft Excel, Word, and PowerPoint
Professional curiosity and desire to build a career in credit risk
Ability to work in a team-oriented environment with individual assignments
Willingness to adapt to technology changes, innovation, agility, customer centricity, change management and continuous improvement
Travel will be required for in-person sessions, approximately 1 week at a time throughout the program.

Benefits

Comp & perks

Medical and retirement benefits
Forty hours of paid volunteer time each year