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M&T Bank Senior Credit Analyst I - Commercial Real Estate in Timonium, Maryland



Evaluate and determine the credit risks of commercial real estate clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

Primary Responsibilities:

  • Thorough understanding of the following critical analysis-related factors: complex credit, transaction and capital structures; complex organizational structures; most forms and constructs of loan documentation; advanced accounting and applied finance; most major industry and business operating models and applicable analysis approaches; and collateral types and collateral assessment methodologies.

  • Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.

  • In-depth knowledge of personal computers and related software programs, including Moody’s Risk Analyst,Microsoft Office suite, with excellent Excel and Word skills required, including excellent financial modeling proficiency.

  • Ability to assist in the management of the department in the Manager’s absence.

  • Responsible for the training of junior/newly hired Credit Analysts.

  • 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, and coordinate gathering of such information.

  • Spread financial statements and prepare advanced financial models designed to sensitize various conditions impacting the proposed transaction.

  • Analyze financial information and related materials, and complete the credit analyses for the Bank’s commercial transactions. Analyses to include risk rating of credit and compilation of accurate PD rationales.Written analyses to include well-supported identification of and description of risks and mitigants of respective deals.

  • Present analysis or address questions during credit request discussions or committee presentations, as requested.

  • As requested, participate in the structuring of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral and guarantors.

  • Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy, and commenting on any risk associated with non-compliance.

Education and Experience Required:

Bachelor’s degree in Accounting, Finance or related field

OR in lieu of a degree, a combined minimum of 9 years higher education and/or work experience, including a minimum 5 prior years experience in complex credit underwriting, specialty underwriting or other complex financial analysis role.

Minimum 5 years’ prior experience in complex credit underwriting, specialty underwriting or other complex financial analysis role.

MS Office proficiency.


Timonium, Maryland, United States of America

At M&T Bank, we understand what's important when you're considering a career. M&T strives to be the best company our employees ever work for, the best bank our customers ever do business with, and the best investment our shareholders ever make.

The key features of our culture are our:

  • Heritage of strength and stability

  • Exceptional and long-tenured employees

  • Focus on long-term client relationships

  • Commitment to the communities we serve

  • Commitment to our shareholders

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M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.