Sr Credit Analyst I
M & T Bank - Buffalo, NY

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At M&T, we understand what’s important when you’re considering a career change: a company with a solid history of responsible growth and positive earnings. A company committed to the communities it serves. One that rewards performance and provides employees with opportunities to direct their own career paths. A company with a focus on the future.

Basic Function

Evaluate and determine the credit risks of the higher dollar amount and more complex commercial real estate clients through detailed cash flow and rent roll analysis, in depth personal financial statement analysis and industry assessment.

Essential Position Responsibilities


Review all pertinent credit, property and financial information.

Determine the need for more thorough investigation or additional information. Analyze property financial information, personal financial statements and related materials.


Prepare summary, present facts, and offer opinions concerning credit-worthiness. Assign an overall risk rating to the credit request.


Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors.


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


Develop and maintain financial background information on present and prospective customers. Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals.


Perform other related assignments as requested by management.

Nature and Scope


The incumbent primarily works on credit approvals in excess of $10MM.


The incumbent works under general supervision.


The position interacts with commercial banking relationship managers in Western New York, Pennsylvania and New Jersey, as well as other internal personnel.

Basic Qualifications


A minimum of a

Bachelor’s degree in Accounting, Finance or related field, or equivalent work experience.


A minimum of

five years related experience.

Ideal Qualifications


Commercial real estate experience a plus but not a must have.



Technical Skills

Working knowledge of personal computers and various software programs such as Windows Word and Excel.

Apply at

Primary Location


New York-Buffalo-M&T Center




Job Posting

Feb 19, 2013, 9:52:41 AM

Unposting Date


M & T Bank - 2 years ago - save job
About this company
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M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 150 years ago in Western New...