M&T Bank

Commercial Credit Lead, Dealer Commercial Services

United States

Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries

Commercial Credit Lead

Employment Type: Full-time

Position Overview

The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This client-facing position involves analyzing financial statements, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements. The Commercial Credit Lead manages a transaction team and collaborates closely with relationship managers (RM), risk officers, and other stakeholders to facilitate sound credit decisions and maintain portfolio quality.

Primary Responsibilities

  • Credit Origination & Underwriting:
    • Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan.
    • Analyze financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.
    • Determine the need for more thorough investigation or additional information and coordinate gathering such information.
    • Complete credit analyses for the Bank’s commercial transactions, including an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
    • Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case, and a downside case.
    • Propose the structure of loan requests, including suggestions on terms, conditions, collateral, and guarantors.
    • Prepare summary, present facts, and offer opinions concerning creditworthiness.
    • Present analysis or address questions during credit request discussions or committee presentations.
  • Portfolio Management & Risk Monitoring:
    • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities.
    • Timely identification of emerging credit risk to enable appropriate actions for risk management, loss minimization, and accurate risk rating assignment.
    • CCM activities include annual reviews, PLRs, Guarantor Assessments, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance.
    • Identify suspicious activity and activity that may be contrary to the customer's interest.
  • Collaboration & Communication:
    • Partner proactively with relationship managers and be involved throughout the deal process to maintain timely and accurate risk ratings.
    • Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business for effective analysis and underwriting.
    • Recommend the risk rating based on underwriting parameters.
  • Financial Analysis & Modeling:
    • Spread financial statements and prepare financial models to sensitize various conditions impacting proposed transactions.
    • Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
  • Compliance & Policy Adherence:
    • Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and evaluating any risks associated with non-compliance.
    • Displays deep understanding of the financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.
    • Understand and adhere to the Company’s risk and regulatory standards, policies, and controls.

Company Information

M&T Bank

Skills

Credit Risk Analysis
Financial Statement Analysis
Credit Structuring
Legal Document Negotiation
Credit Approval
Credit Policy Compliance
Regulatory Compliance
Portfolio Management
Underwriting
Loan Review
Due Diligence
Financial Analysis
Risk Assessment
Credit Monitoring

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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