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

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

Strong leadership skills
In-depth credit knowledge
Ability to make informed decisions to manage and mitigate portfolio risk
Deep understanding of financial regulatory environment
Analytical skills to analyze financial information and related materials
Strong communication and presentation skills
Ability to work with financial statements, tax returns, due diligence reports, credit bureaus, appraisals, and other financial information
Ability to prepare financial models, cash flow schedules, and covenant sensitivity calculations
Understanding of Company's risk and regulatory standards, policies, and controls
Ability to identify risk-related issues and escalate to management as needed

Responsibilities

Lead 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
Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities
Review all pertinent credit and financial information
Analyze financial information and complete credit analyses for commercial transactions
Partner with RMs throughout the deal process
Prepare financial statements, financial models, and cash flow schedules
Prepare guarantor statement analysis and covenant sensitivity calculations
Attend client/prospect calls to gain understanding of client/prospect and their business
Present analysis or address questions during credit request discussions or committee presentations
Ensure credit policy compliance and evaluate risk associated with non-compliance
Identify risk-related issues needing escalation to management
Promote an environment that supports belonging and reflects the M&T Bank brand
Maintain M&T internal control standards
Complete other related duties as assigned

Skills

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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