[Remote] Commercial Credit Expert, Affordable Housing at M&T Bank

United States

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Not SpecifiedCompensation

Expert & Leadership (9+ years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Affordable Housing, Financial ServicesIndustries

Requirements

Strong leadership skills to lead a team of credit professionals
In-depth credit knowledge, serving as Subject Matter Expert for complex credit transactions
Deep understanding of financial regulatory environment as it applies to underwriting commercial credit transactions
Ability to make informed decisions to manage and mitigate portfolio risk
Client-facing capabilities, including attending client/prospect calls with RMs
Proficiency in analyzing financial information, spreading financial statements, preparing financial models, cash flow, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis
Skills in reviewing credit and financial information (e.g., financial statements, tax returns, due diligence reports, credit bureaus, appraisals, industry research, peer data)
Ability to determine need for additional investigation and coordinate gathering of information
Expertise in completing written credit analyses, including independent credit quality assessment, risk rating, identification of risks and mitigants, industry concerns, market trends, financial trends
Understanding of and adherence to the Company’s risk and regulatory standards, policies, controls, and Commercial Credit Policy
Ability to present analysis, address questions, and offer opinions on creditworthiness during discussions or committee presentations

Responsibilities

Lead a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships
Lead the diligence, structuring, and legal documentation creation/negotiation of loan requests for commercial clients
Facilitate credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan
Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, including annual reviews, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other surveillance
Review all pertinent credit and financial information to identify emerging risks, assign accurate risk ratings, and take actions to manage risk and minimize losses
Analyze financial information and complete credit analyses for commercial transactions
Partner proactively with RMs, involved throughout the deal process from deal screen through approval and loan life to maintain timely and accurate risk ratings
Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis
Attend client/prospect calls with RMs to understand the client/business and recommend risk ratings based on underwriting parameters
Prepare summaries, present facts, and offer opinions on creditworthiness
Ensure credit policy compliance by verifying underwriting adherence and evaluating risks of non-compliance
Present analysis or address questions during credit request discussions or committee presentations
Identify and escalate risk-related issues to management
Promote an environment supporting belonging and reflecting the M&T Bank brand
Maintain internal control standards, implement audit points, and address regulator issues
Complete other related duties as assigned

Skills

Key technologies and capabilities for this role

Commercial Credit UnderwritingCredit Risk ManagementPortfolio ManagementFinancial AnalysisLoan StructuringLegal Documentation NegotiationContinuous Credit MonitoringRisk RatingCovenant MonitoringDue DiligenceRegulatory ComplianceFinancial Statements ReviewIndustry Research

Questions & Answers

Common questions about this position

What are the main responsibilities of the Commercial Credit Expert role?

The role involves leading a team of credit professionals in evaluating, underwriting, and managing commercial credit relationships, handling complex transactions, ensuring adherence to credit policies, and maintaining portfolio quality through continuous credit monitoring.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What salary or compensation is offered for this position?

This information is not specified in the job description.

What key skills and experience are required for this role?

Strong leadership skills, in-depth credit knowledge, deep understanding of the financial regulatory environment, ability to analyze financial information, and experience in underwriting and credit risk management are essential.

What makes a strong candidate for the Commercial Credit Expert position?

Candidates with experience leading credit teams, handling complex commercial transactions, partnering with relationship managers, and expertise in financial analysis, risk rating, and regulatory compliance will stand out.

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters

1993Year Founded

IPOCompany Stage

Financial ServicesIndustries

10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.

Integration challenges from the United Bank merger may disrupt operations.

Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.

The bank offers a wide range of traditional and digital banking services.

Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.

Decreased prime rate may attract more borrowers, increasing loan volume.

Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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