Commercial Credit Associate, Private Banking

Commercial Credit Associate The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management. Primary responsibilities include facilitating the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan, managing the ongoing credit risk of existing loan portfolios through continuous credit monitoring activities, reviewing all pertinent credit and financial information, analyzing financial information and related materials, making appropriate structure recommendations, identifying suspicious activity, partnering proactively with relationship managers, preparing cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis, attending client/prospect calls, ensuring credit policy compliance, understanding and adhering to the Company's risk and regulatory standards, promoting an environment that supports belonging, maintaining M&T internal control standards, and completing other related duties as assigned. Scope of responsibilities includes credit delivery of the Bank's commercial clients throughout the credit lifecycle, ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads, interacting with commercial banking RMs, working independently with limited supervision, and leading a transaction execution team in partnership with a Commercial Credit Analyst. Supervisory/managerial responsibilities include input into the development of and training of junior/newly hired Analysts. Education and experience required include a Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years' experience in commercial credit, public accounting, and financial statement analysis. In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years' experience 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 analysis of credit metrics, familiarity with legal documents, critical thinking and problem-solving abilities, attention to detail with a high level of accuracy, strong organizational and time management skills, ability to work independently and as a part of a team, customer focused with strong interpersonal skills, and proficiency with Microsoft Office are also required. Education and experience preferred include experience with Capital IQ, FactSet, and Bloomberg. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $99,500.00 - $165,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Boston, Massachusetts, United States of America

Created: 2026-03-10