Commercial Credit Senior Portfolio Manager I, Leveraged Lending

Full-time - Mid Level

Hybrid - Buffalo, NY

Credit Intermediation and Related Activities

About the position

This hybrid position can be based anywhere within the M&T footprint. The role involves monitoring and assessing the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service.

Responsibilities

• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.
• 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.
• Analyze financial information and related materials and complete ongoing credit monitoring for the Bank's commercial transactions.
• Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers.
• Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
• Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.
• Responsible for the timeliness of the monitoring activities and ensure credit policy compliance.
• Present analysis or address questions during credit discussions or presentations.
• May attend client calls with RMs to gain a thorough understanding of the client / prospect and their business.
• 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.
• Complete other related duties as assigned.

Requirements

• Bachelors' degree in Accounting, Finance, Economics or related discipline.
• 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• In lieu of degree, a combined minimum of 9 years' higher education and work experience to include 5 years experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
• Excellent verbal and written communication skills.
• Excellent analytical ability.

Benefits

• Fair, competitive, and market-informed pay.