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Regional hiringpublishedExternal employer
MBM&T Bank
M&T Bank•Commercial Banking

Commercial Credit Associate

Commercial Real Estate

Location

Pittsburgh, Pennsylvania, United States

Work type

Hybrid

Employment

Full Time

Experience

4+ years

Compensation

$85.8K - $143K per year

Posted

3d ago

Summary and responsibilities

Role overview

Summary

The Commercial Credit Associate at M&T Bank is responsible for assessing and managing credit risk for commercial real estate clients. This role involves comprehensive financial analysis, loan portfolio monitoring, and ensuring compliance with credit policies, acting as a crucial link between relationship managers and credit risk management.

POSITION: Commercial Credit Associate - Commercial Real Estate

ORGANIZATION: M&T Bank

DEPARTMENT: Commercial Credit / Credit Risk Management

POSITION OVERVIEW

The Commercial Credit Associate assesses and manages credit risk for commercial real estate (CRE) clients throughout the credit lifecycle. Serving as a crucial link between Relationship Managers (RMs) and Credit Risk Management, the role underwrites new requests, evaluates loan modifications, performs continuous portfolio monitoring, and ensures full compliance with bank policies and regulatory standards.

PRIMARY RESPONSIBILITIES

Underwriting & Transaction Structuring:

- Underwrite new credit facilities and material modifications from deal screening through approval and closing.

- Spread financial statements and develop financial models sensitizing base, borrower, and downside cases.

- Perform cash flow modeling, collateral schedules, guarantor analyses, and debt service/covenant sensitivity calculations.

- Prepare written credit packages outlining credit risk assessments, risk ratings, mitigants, market trends, and structural recommendations.

- Participate in client and prospect meetings alongside RMs to evaluate business operations and credit requirements.

- Present credit analysis and risk rationales during credit committee reviews and approval discussions.

Portfolio Management & Surveillance:

- Oversee ongoing portfolio risk through Continuous Credit Monitoring (CCM), including annual reviews, interim memos, covenant compliance tracking, and early warning surveillance.

- Identify emerging portfolio risks, deteriorating trends, or suspicious activity, initiating timely mitigation strategies and risk rating adjustments.

- Complete and validate risk rating scorecards and credit quality assessments.

Policy, Compliance & Controls:

- Ensure all underwriting complies strictly with M&T Bank Commercial Credit Policy, documenting exceptions and related risks.

- Adhere to enterprise risk appetite, regulatory standards, internal audit requirements, and control frameworks.

- Escalate credit-related and compliance issues to senior management when necessary.

Team Leadership & Collaboration:

- Partner with senior team members on highly complex transactions.

- Guide and lead deal execution teams in partnership with Commercial Credit Analysts.

- Support the onboarding, training, and mentoring of junior analysts.

MINIMUM QUALIFICATIONS

- Education: Bachelor's degree in Accounting, Finance, Economics, or a related field. (In lieu of a degree, a minimum of 8 years of combined higher education and relevant work experience is accepted.)

- Experience: Minimum of 4 years of professional experience in commercial credit underwriting, public accounting, or financial statement analysis.

- Technical Skills: Advanced proficiency in financial modeling, ratio calculation, cash flow analysis, trend evaluation, and Microsoft Office.

- Operational Skills: Strong understanding of commercial legal documents and loan structuring.

- Core Competencies: High accuracy and attention to detail, clear written and verbal communication, critical thinking, independent problem-solving, and client relationship skills.

PREFERRED QUALIFICATIONS

- Direct underwriting experience with commercial real estate (CRE) credits.

- Proficiency with commercial lending and market platforms such as nCino, Capital IQ, FactSet, or Bloomberg.

Updated 3d ago

Candidate fit

Skills and qualifications

Additional skills

Financial Modeling • 1+ yrs
Credit Analysis • 1+ yrs
Financial Statement Analysis • 1+ yrs
Risk Management • 1+ yrs
Microsoft Office • 1+ yrs
Critical Thinking • 1+ yrs
Problem Solving • 1+ yrs
Communication • 1+ yrs

Experience

4+ years

How this role is positioned

Role classification

Job domains

Administration
Finance & Accounting
Real Estate & Facilities

Industries

Real Estate & PropTech
Finance & Banking

Employment

Full Time

Contract duration

Permanent

Hiring type

Direct

Global hiring

Location specific

Offer details

Compensation and benefits

Compensation

$85.8K - $143K per year

VisibilityShared on listing
CurrencyUSD
PeriodYearly

Location, schedule, and role shape

Work setup

Work conditions

Primary locationPittsburgh, Pennsylvania, United States
Work typeHybrid
Global hiringNo

Bandwidth profile

peopleMedium • 7/10
physicalLow • 2/10
cognitiveHigh • 9/10
executionHigh • 8/10
creativityMedium • 6/10
uncertaintyMedium • 7/10
communicationHigh • 8/10

Context on the employer

Company snapshot

Company

M&T Bank

Team size

Growing team

Location

Pittsburgh, Pennsylvania, United States

M&T Bank is a financial institution focused on commercial banking, where this role specifically supports commercial real estate clients by assessing and managing credit risk.

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Commercial Credit Associate

Pittsburgh, Pennsylvania, United States • Full Time