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Daniel S.
Commercial Credit Analyst (C & i) @M&T Bank
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WORK HISTORY
Commercial Credit Analyst (C & i) @M&T Bank
Washington, DC, US
Facilitate comprehensive credit analysis for new loans and modifications from initial deal screen to final approval. Review and analyzed all financial data, including financial statements, tax returns, due diligence reports, and industry research, to determine the need for further investigation or additional information.• Utilize financial models & tools to assess cash flows, collateral value, covenant sensitivities, and interest rate sensitivities. Create PD (Probability of Default) and LGD (Loss Given Default) scorecards to evaluate risk and inform credit decisions.• Conduct thorough credit quality assessments, identifying and describing risks and mitigants. Analyze industry trends, market conditions, and financial patterns to provide well-supported risk ratings and recommendations.• Work closely with relationship managers throughout the underwriting process and participated in client and prospect meetings to gain insights into their business operations and ensure accurate analysis.
EDUCATION
Towson University
Bachelor of Science - BS, Economics & Geogrpahy and Environmental Planning
Loyola University Maryland
Master of Business Administration - MBA, Finance
ABOUT DANIEL S.
I’m a commercial banking professional with a foundation in retail banking and leadership, and a current focus on building credit acumen to underwrite middle-market clients. Since joining M&T Bank in 2021 through the Community Branch Management Program, I’ve leaned into every opportunity to grow from leading a retail branch, to transitioning into the commercial bank through the Commercial Development Program, to now supporting C&I portfolios across Baltimore and the Chesapeake area.My career path has been shaped by continuous development and a deep curiosity about how businesses grow, operate, and sustain long-term value. I’m driven by the challenge of solving complex credit needs, understanding a borrower’s full story, and collaborating across teams to deliver solutions that balance risk and opportunity. Whether managing a team or analyzing financials, I bring a thoughtful, relationship-focused approach to everything I do.
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