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About the Role
The Commercial Credit Analyst Program is a structured, full-time development program designed to prepare early-career professionals for long-term roles in commercial and corporate credit. Participants receive formal training, hands-on experience, and exposure to credit professionals. The program spans 10 months, combining rotational assignments with increasing complexity, and upon completion, participants are placed into a Commercial Credit Analyst role.
Responsibilities
- Complete a formal training program including instructor-led sessions, web-based learning, and on-the-job assignments.
- Demonstrate active engagement in all training and cohort sessions.
- Complete all program assignments, exercises, and deliverables by established deadlines.
- Participate in ongoing coaching and feedback sessions and apply feedback to improve performance.
- Demonstrate progressive readiness for independent underwriting responsibilities.
- Participate in leadership and functional professional development, networking, and community-focused activities.
- Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of borrowers.
- Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events.
- Assess borrower performance, industry trends, and macroeconomic risks.
- Evaluate collateral, guarantor support, covenant structures, and debt capacity.
- Monitor assigned loan portfolios for credit quality, covenant compliance, and early warning indicators.
- Support portfolio reviews, stress testing, and risk rating migrations.
- Assist with criticized/classified credit identification and action plans.
- Develop an understanding of various credit policies and procedures along with product knowledge.
- Partner with relationship managers, credit associates, and product specialists to support credit structuring.
- Participate in due diligence calls, management meetings, and underwriting discussions.
- Gain exposure to syndicated loans, leveraged finance, asset-based lending, commercial real estate and other corporate credit products.
- Adhere to applicable compliance/operational risk controls.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards.
- Complete other related duties as assigned.
Requirements
- 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.
Skills
- Financial statement analysis
- Accounting fundamentals
- Analytical skills
- Attention to detail
- Judgment
- Written communication
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
- Hybrid
Experience Level
- 0–3 years of relevant experience in credit, banking, finance, accounting, audit, or financial analysis (preferred)
Education Level
- Bachelor's degree
- MBA (preferred)
Salary/Compensations
- $29.57 - $43.99 per hour
About the Company
- 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 work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.