Job Abstract

This position operates in the 2nd line of defense and is embedded in the Credit Risk Department which is part of the Risk Division. Acting primarily as an oversite of the 1st LOD Continuous Monitoring activities.  The primary responsibility is to analyze and monitor the credit quality and loan exposure for assigned commercial loan portfolio with a focus on problem credits.  Additionally monitor/oversee the credit quality of higher risk transactions

Ensure that appropriate recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy follow established 1st line processes.

Escalate credit problems and make appropriate recommendations for action to management.

Primary Responsibilities:

• Independently review and evaluate accuracy of individual risk ratings on assigned problem loan portfolios from a 2nd line perspective
• Communicate regularly with business line management and/or relationship managers, Portfolio Managers, Co’s, SCO’s, Special Assets, etc. regarding high risk and/or problem loans in their portfolio with emphasis on delinquencies, overdrafts, identification of criticized loans, potential non-accruals, loss exposure and/or charge-offs.
• Assist in developing near term forecasts for movements into and out of non-accrual status and potential charge-offs and recoveries.
• Participate in and/or observe the quarterly problem loan meetings and confirm processes are completed completely and accurately.
• Collaborate with Credit Accounting team to confirm impairment reserves for the problem portfolios.
• Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required.
• Assist the Department Manager and Team Leaders to develop and execute strategies to provide better insight into portfolio risk.
• Prepare written documents and escalate material findings to the Department Manager and/or Team Leaders on an ongoing basis.
• Assist with targeted Bank Examinations as required.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Strong interpersonal skills necessary for business partner relationships within and outside the organization.

Provides appropriate documentation and support when assessing the commercial problem loan portfolio.

Escalate credit problems and make recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted.

Possesses expert credit knowledge and will actively coach/mentor junior staff.

Provide direct assistance/support to the Department Manager and/or Team Leaders which could include assuming Team Leader responsibilities on occasion.

Act as backup to the Team’s Manager.

Work with CRM Program Director in Developing and delivering 2LOD training as well as ongoing credit related training.

May have some supervisory responsibilities.

Minimum seven (7) years previous experience in commercial credit, lending, finance, accounting and/or audit.

Bachelor’s degree in a business-related curriculum, or in lieu of degree, 8years’ experience required.

Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc.

Communicate effectively both in writing and verbally.

Ability to multi-task and prioritize to complete work within established timeframes.

Ability to analyze and understand financial data, collateral documentation, and other credit issues.

Ability to work independently with minimal oversight from management.

Strong understanding of credit policies and guidelines.

MBA preferred.

Not applicable

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