M&T Bank
Commercial Credit Associate, Commercial Real Estate
Pittsburgh, PA
Stay score
odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~30% per draw at Level II). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
Personalize to your clock →H-1B wage level
the lottery is wage-weighted — each level is one more entry
$8,528 more — $94,328 — moves this role to Level III and 3 lottery entries. That figure is inside the range the employer already advertised.
Based on the DOL prevailing wage for this occupation and worksite, a base salary of $94,328 would place this position at wage Level III. That figure is within the posted range, and I'd like to target it. This role classifies under "Financial and Investment Analysts" for prevailing-wage purposes.
DOL prevailing wage, 2026-27 wage year · Financial and Investment Analysts (13-2051) · Pittsburgh, PA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
Employer immigration record
from this employer's Department of Labor filings
Green-card follow-through: 100%
Files H-1B transfers
Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.
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About the role
- The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial real estate clients at M&T Bank.
- This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.
- 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.
Responsibilities
- Partner proactively with relationship managers (RM) and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.
- Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.
Requirements
- Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years' experience in commercial credit, public accounting, and financial statement analysis.
- Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
- Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis.
- Proficiency with Microsoft Office.
- Experience with Capital IQ, FactSet, and Bloomberg.
- Experience with nCino.
- Experience with commercial real estate credits.
Compensation
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.
- The pay range for this position is $85,800.00 - $143,000.00 Annual (USD).
- The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
- A CCM program includes, but is not limited to, annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
Benefits
- Will work with senior team members on more challenging complex transactions/account coverage.
Company info
- Primary Responsibilities: - 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.
- Ability to work independently and as a part of a team.
- 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.
- Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
- As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
This listing is sourced directly from M&T Bank's careers page and normalized into a canonical job model.