Commercial Credit Regional Segment Director - Leveraged Lending at M&T Bank

Buffalo, New York, United States

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Not SpecifiedCompensation

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

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Experience in credit risk management, underwriting strategies, and portfolio management for Leveraged Lending, particularly for Middle Market and PE Sponsored clients
Knowledge of developing credit policies, guidelines, and procedures
Leadership and management experience overseeing teams of credit professionals
Expertise in commercial loan underwriting, deal structuring, term sheet negotiation, and legal documentation
Ability to provide independent credit quality assessments, identifying risks, mitigants, industry/market/financial trends
Understanding of regulatory requirements and bank's risk appetite
Skills in continuous commercial credit monitoring (CCM), including annual reviews, covenant monitoring, problem loan management, and early warning indicators
Experience in staffing, performance appraisals, promotions, salary recommendations, performance management, and terminations
Adherence to risk and regulatory standards, internal controls, and audit compliance

Responsibilities

Lead team partnering with sales and monitoring teams for the entire credit process, from deal screening through approval, including structuring transactions and negotiating legal documentation
Ensure analyses provide independent credit quality assessments for new transactions, renewals, and modifications of the bank's largest commercial clients
Oversee quality, efficiency, and timeliness of underwriting for multiple teams, including deal structuring, term sheet/legal document negotiation, and loan approvals per credit policy
Provide guidance, support, and leadership on complex credit relationships and foster partnerships across Commercial Credit, risk management, monitoring, closing, and relationship managers
Meet with bank clients and prospects as appropriate
Foster collaborative team culture and direct training/employee development initiatives
Proactively manage deployment/utilization of Commercial Credit resources, prioritize/monitor workflow
Adhere to and advise teams on credit policy
Lead ongoing risk assessments of customers to identify emerging risks or financial changes, ensuring independent assessments for existing loans
Oversee continuous commercial credit monitoring (CCM) for multiple teams to identify emerging risks, manage them, minimize losses, and assign accurate risk ratings
Ensure quality, timeliness, and efficiency of monitoring activities
Exercise managerial authority on staffing, performance appraisals, promotions, salary recommendations, performance management, and terminations
Understand/adhere to company's risk/regulatory standards; design/implement/maintain/enhance internal controls; escalate risk issues
Promote environment supporting belonging and M&T Bank brand; maintain internal control standards and implement audit points

Skills

Key technologies and capabilities for this role

Credit Risk ManagementUnderwritingPortfolio ManagementCredit Policy DevelopmentDeal StructuringLoan ApprovalFinancial AnalysisTeam LeadershipRegulatory ComplianceCommercial LendingLeveraged LendingMiddle MarketPrivate EquityRisk AssessmentNegotiation

Questions & Answers

Common questions about this position

What are the main locations for this position?

The position is based in New York, NY, Boston, MA, or Buffalo, NY.

Is the salary range specified for this role?

This information is not specified in the job description.

What key skills and experiences are required for this role?

The role requires expertise in credit risk management, underwriting strategies, portfolio management for leveraged lending, deal structuring, and credit policy adherence.

What is the team structure like in this position?

The role involves managing a team of credit professionals, overseeing multiple underwriting and monitoring teams, and proactively managing resource deployment across teams.

What does the company culture emphasize for this role?

The culture emphasizes fostering a collaborative team environment, providing leadership on training and employee development, and partnering proactively with sales, monitoring, and relationship teams.

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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