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M&T Bank Senior Credit Analyst, Healthcare in Buffalo, New York



Evaluate and determine the credit risks of commercial 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

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


Buffalo, New York, United States of America

At M&T Bank, we make a difference in people’s lives . For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers.

Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report ( to learn how it feels to be one of our 17,000+ employees.

We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences.

We support our employees every step of the way.

  • Competitive compensation

  • Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance

  • Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO

  • 401(k) match at 5% with options for Roth and discretionary employer contributions

  • A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more

  • Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts

We need you. Are you ready to join us? Apply today to start the journey.

If you are unable to apply through this site due to technical issues, please contact us at for assistance.

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.