M&T Bank

M&T Bank

Commercial Credit Senior Associate, Large Corporate

Pittsburgh, PA · Senior

Sponsorship not specified$116k-$194kDetected 1 day ago
Financial ModelingAccountingAuditingStructural AnalysisResearchCommunicationProblem SolvingCritical ThinkingTime ManagementInternal AuditUnderwriting

Stay score

odds of building a lasting career here

57Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role90
Entry-level history0
PERM / green-card track0
Lottery odds (Level III)83
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~45% per draw at Level III). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

Personalize to your clock →

Employer immigration record

from this employer's Department of Labor filings

Green-card filing pattern in this occupation

Context, not a finding about this posting: of this employer's 26 green-card filings in this occupation, 100% were for a worker who already held the job.

Green-card follow-through: 100%

Of 21 labor certifications old enough to have been used, 0 expired without the employer filing the next step. Median time from filing to decision: 488 days.100% of their filings were for a worker who already held the job.Only certifications past the 180-day window are counted — recent ones cannot have expired yet.

Files H-1B transfers

14 transfer filings in the last year, covering 14 workers. Median labor-condition decision: 235 days. An employer that already files transfers is one that can take over an existing H-1B.

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.

Community outcomes

No reports yet — be the first to help the next applicant.

About the role

  • The Commercial Credit Senior Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank.
  • This client facing 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 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.
  • 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 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
  • Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
  • Ability to calculate and interpret financial ratios, analyze date, and complete trend analysis.
  • Emerging proficiency with understanding and negotiating legal documentation including structural analysis and the ability to structure transactions independently.
  • Proficiency in Microsoft Office.
  • Experience with Capital IQ, FactSet, and Bloomberg.

Compensation

  • M&T Bank is committed to fair, competitive, and market-informed pay for our employees.
  • The pay range for this position is $116,400.00 - $194,000.00 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

  • Focus on transaction execution and portfolio management and will partner with senior team members on complex transactions/account coverage.

Company info

  • Ability to work independently and as a part of a team.
  • 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.
  • 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.
Apply directly at M&T Bank →Create a free account for alerts like thisView M&T Bank immigration profile

This listing is sourced directly from M&T Bank's careers page and normalized into a canonical job model.