Commercial Credit Lead - Engineering & Construction

**Hybrid:** Four days a week in the office

**Location:** This role is open to any location within the M&T Bank commercial footprint.

**Overview**

The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This individual contributor senior, client‑facing position involves analyzing financial statements, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements.

This role specializes in Engineering & Construction (E&C) relationships, which require underwriting expertise related to contractor cash flow, working capital dynamics, backlog and work‑in‑process (WIP), bonding and surety considerations, and complex legal structures.

The Commercial Credit Lead manages a transaction team and collaborates closely with relationship managers (RM), risk officers, and other stakeholders to ...