Senior Associate – Commercial Credit, Engineering & Construction

M&T Bank

Commercial credit senior associate underwriting and managing commercial loan risk for M&T Bank. Analyzing financials, structuring transactions, monitoring portfolios, and supporting sound lending decisions.

Posted 8/10/2026full-timeRadnor • Pennsylvania • 🇺🇸 United StatesSenior💰 $113,300 - $188,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in credit risk assessment and management, with strong capabilities in financial modeling, credit analysis, and compliance with regulatory standards. Proficient in collaborating with relationship managers and leading transaction execution teams while maintaining high accuracy and attention to detail.

Highest-signal resume keywords

Credit Risk AssessmentFinancial ModelingCredit AnalysisRegulatory ComplianceTransaction Structuring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCredit Metrics AnalysisTrend AnalysisRisk RatingCovenant MonitoringCash Flow ModelingFinancial Ratio CalculationIndependent Credit AnalysisProblem Loan ManagementDue Diligence

Soft Skills

Analytical SkillsCritical ThinkingProblem-SolvingAttention to DetailOrganizational SkillsTime ManagementInterpersonal SkillsCommunication Skills

Tools & Technologies

Microsoft OfficeCapital IQFactSetBloombergNCino

Industry Keywords

Commercial CreditFinancial AnalysisLoan Portfolio ManagementCredit SurveillanceClient Relationship Management

About the role

Key responsibilities & impact

Assess and manage credit risk for commercial clients
Execute transactions and manage commercial loan portfolios
Underwrite new credit requests and material modifications from deal screen through approval and throughout the life of the loan
Conduct continuous credit monitoring, including 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 independent credit analyses, risk ratings, risk and mitigant assessments, industry and market analyses, and financial trend analyses
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 portfolio lifecycle
Spread financial statements and prepare cash flow, collateral, covenant sensitivity, guarantor, and other financial models
Attend client and prospect calls with relationship managers
Prepare summaries, present facts, and offer opinions concerning creditworthiness
Assist with loan request structures, terms, conditions, controls, collateral, and guarantors
Ensure compliance with commercial credit policy and regulatory standards
Present analyses and address questions during credit discussions and committee presentations
Identify risk-related issues requiring escalation
Maintain internal control standards and implement audit and regulatory action items
Provide input into the development and training of junior and newly hired analysts
Lead transaction execution teams in partnership with Commercial Credit Analysts
Complete other related duties as assigned

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
Alternatively, a combined minimum 9 years’ higher education and work experience, including 5 years’ relevant financial analysis experience
Strong analytical skills with proficiency in financial modeling and credit metrics analysis
Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis
Emerging proficiency in understanding and negotiating legal documentation, structural analysis, and independently structuring transactions
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 part of a team
Strong organizational and time management skills
Customer focus with strong interpersonal and relationship-building skills
Proficiency in Microsoft Office
Experience with Capital IQ, FactSet, and Bloomberg preferred
Experience with nCino preferred

Benefits

Comp & perks

Medical benefits
Retirement benefits
Forty hours of paid volunteer time each year
Competitive benefits
Equal employment opportunities