Commercial Credit Senior Associate - Engineering & Construction; E&C - England​/Delawa

Work Location / Arrangement

This is a hybrid position requiring four days per week of in-office work. The location will be at an M&T corporate office in Rochester, NY, Buffalo, NY, Radnor, PA, Springfield, MA, or Boston, MA, based on the final candidate. The role supports the New England Region (Albany, Hudson Valley North, Maine, New Hampshire, Vermont, Massachusetts, Connecticut) and/or the Delaware Region.

The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This client‑facing role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management. The position involves analyzing financial statements, monitoring the loan portfolio, and ensuring compliance with credit policies and regulatory requirements.

• Focus on transaction execution and portfolio management; 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, recommending adding or removing conditions as appropriate.
• Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, identifying emerging risks and taking timely actions to minimize losses and assign accurate risk ratings.
• Conduct reviews of all pertinent credit and financial information, coordinate additional information gathering, and complete credit analyses for the bank’s commercial transactions.
• Produce written analyses that include independent credit quality assessments, risk ratings, risk identification and mitigants, industry and market trends, and other pertinent issues.
• Make structure recommendations based on scenarios, including base case and downside case, and recommend risk ratings.
• Identify suspicious activity and activities contrary to customer interests, partnering with relationship managers throughout the deal process.
• Prepare financial statements, models, cash flow, collateral schedules, covenant sensitivity calculations, and guarantor analyses as required.
• Attend client/prospect calls with RMs to understand client businesses and effectively analyze and underwrite transactions.
• Present analyses and address questions during credit request discussions or committee presentations.
• Ensure policy compliance, identify escalations, and maintain internal control standards, including audit points and regulatory issues.
• Complete other related duties as assigned.

Commercial Credit is responsible for the credit delivery of the Bank’s commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long‑term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank’s risk rating scorecards and financial statement spreads.

The position interacts with commercial banking relationship managers throughout the bank’s footprint and industry verticals as well as other internal personnel on credit approvals. The role is an account coverage role and focuses on transaction execution and portfolio management.

Input into the development and training of junior/newly hired Analysts.

• Bachelor’s degree in Accounting, Finance, Economics, or related field and at least 5 years of experience in commercial credit, public accounting, financial statement preparation/analysis, or other financial analysis.
• In lieu of a degree, a combined minimum of 9 years of higher education and work experience, including at least 5 years 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, including calculating and interpreting financial ratios, analyzing…