Commercial Credit Associate, Commercial Real Estate

M&T Bank•Pittsburgh, PA

1d•$85,800 - $143,000

About The Position

The Commercial Credit Associate assesses and manages credit risk for commercial real estate clients at M&T Bank. The role analyzes financial information, monitors loan portfolios, and supports compliance with credit policies and regulatory requirements, serving as a link between relationship managers and credit risk management. The position underwrites new credit requests and material modifications from deal screening through approval and throughout the life of the loan. It also monitors existing portfolios through annual reviews, interim updates, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance. The associate reviews financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data, and determines when further investigation or additional information is needed. The associate prepares independent credit analyses, risk ratings, structure recommendations, financial models, cash flow and collateral schedules, covenant sensitivity calculations, and guarantor analyses. The role partners with relationship managers throughout the deal process, may attend client and prospect calls, presents analysis and opinions on creditworthiness during credit discussions or committee presentations, and verifies adherence to Commercial Credit Policy. This is a development account coverage role that works with senior team members on complex transactions and may lead transaction execution with a Commercial Credit Analyst. The position works independently with limited supervision and provides input into the development and training of junior or newly hired analysts.

Requirements

Bachelor's degree in Accounting, Finance, Economics, or a related field, plus at least 4 years of experience in commercial credit, public accounting, or financial statement analysis; alternatively, a combined minimum of 8 years of higher education and work experience, including at least 4 years in commercial credit, public accounting, financial statement preparation or analysis, or other financial analysis.
Strong verbal and written communication skills.
Strong analytical skills and proficiency in financial modeling and credit metric analysis, including calculating and interpreting financial ratios, analyzing data, and completing trend analysis.
Familiarity with legal documents and the ability to understand structural elements efficiently.
Critical thinking and problem-solving abilities.
Attention to detail and a high level of accuracy.
Strong organizational and time management skills.
Ability to work independently and as part of a team.
Customer focus and strong interpersonal skills.
Proficiency with Microsoft Office.

Nice To Haves

Experience with Capital IQ, FactSet, and Bloomberg.
Experience with nCino.
Experience with commercial real estate credits.

Responsibilities

Underwrite new credit requests and material modifications from deal screening through approval and for the life of the loan, including recommending the addition or removal of conditions.
Monitor existing loan portfolios through ongoing credit surveillance, including annual reviews, interim update memos, covenant monitoring, problem loan management, and early warning indicators.
Review credit and financial information and determine whether further investigation or additional information is needed.
Analyze financial information and prepare written credit analyses with independent assessments, supported risk ratings, credit risks and mitigants, industry and market considerations, financial trends, and other pertinent issues.
Recommend appropriate transaction structures based on company, bank base-case, and downside-case scenarios.
Identify suspicious activity or activity that may be contrary to a customer's interests.
Partner with relationship managers throughout the deal process and maintain timely, accurate risk ratings for a portfolio of commercial credits.
Spread financial statements and prepare financial models to evaluate conditions affecting proposed transactions.
Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses as appropriate.
Attend client and prospect calls with relationship managers to understand clients and their businesses and support underwriting and risk-rating recommendations.
Prepare summaries, present facts, and offer opinions about creditworthiness; present analyses or address questions during credit discussions or committee presentations.
Verify underwriting adherence to Commercial Credit Policy and comment on risks associated with non-compliance.
Follow company risk and regulatory standards, policies, and controls; identify risk-related issues that require escalation.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
Provide input into the development and training of junior or newly hired analysts.
Complete other related duties as assigned.