M&T Bank - Buffalo, NY
posted 5 months ago
The Commercial Credit District Manager - Underwriting - C&I at M&T Bank is a pivotal role responsible for overseeing the quality and efficiency of commercial loan underwriting analyses across multiple teams. This position requires daily interaction with senior management from the Credit, Business Banking, and Commercial Banking Divisions, focusing on the approval and underwriting of significant commercial loan requests. The manager will lead a team that collaborates closely with sales and monitoring teams throughout the deal process, from initial screening to final approval, ensuring that credit structures are appropriate and aligned with the bank's policies. In this role, the manager will ensure that analyses provide an independent assessment of credit quality for the bank's largest commercial clients, identifying potential credit risks, industry concerns, market trends, and financial trends. The responsibilities include overseeing the quality, efficiency, and timeliness of underwriting processes, reviewing deal structures, approving term sheets, and ensuring compliance with credit policies and bank procedures. The manager will also provide guidance and support for complex credit relationships, fostering collaboration between underwriters, monitoring teams, and relationship managers. The position involves meeting with bank clients and prospects as necessary, acting as a liaison between various teams, and promoting a collaborative team culture. The manager will be responsible for the deployment and utilization of underwriters, prioritizing workflow, and ensuring adherence to credit policies. Additionally, the role includes managerial responsibilities such as staffing, performance appraisals, promotions, and compliance with operational risk controls. The successful candidate will play a crucial role in enhancing the efficiency of the commercial loan approval process, contributing to the bank's loan growth objectives while maintaining conservative underwriting standards.