Hiring: Commercial Credit Associate Company: M&T Bank Location: Radnor, PA Job Posted Time: 2026-09-10 14:54:53 Target Skills & Keywords : Microsoft Office, Portfolio Management, Risk Management About the job Experience: •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. •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. Required Skills: •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. This analysis may include recommending adding or removing conditions. Will work with senior team members on more challenging complex transactions/account coverage. •Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information. •Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case. •As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest. •Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate. •Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating. •Prepare summary, present facts, and offers opinions concerning credit-worthiness. Present analysis or address questions during credit request discussions or committee presentations. •Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance. Qualifications: •M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $94,400.00 - $157,400.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. •Radnor, Pennsylvania, United States of America Compensation: •$94,400 - $157,400 / year Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!