Commercial Portfolio Manager I (CRE)

Position Overview

• Location Type: [Not Specified]
• Job Type: Full time
• Salary: [Not Specified]

This role involves evaluating, monitoring, and assessing the credit risks of complex commercial clients and higher dollar loans (typically $10MM and greater). This is achieved through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service.

Responsibilities

• Underwrite new requests and material modifications from deal screen through approval and for the life of the loan to facilitate customer credit needs.
• Manage ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities.
• Identify emerging credit risks for timely action, loss minimization, and accurate risk rating assignment.
• Conduct CCM activities including annual reviews, PLRs, Guarantor Assessments, interim update memos, covenant monitoring, problem loan management, early warning indicators, and other credit surveillance.
• Review pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.
• Determine the need for further investigation or additional information.
• Analyze financial information and related materials to complete credit analyses for commercial transactions.
• Prepare written analyses including independent credit quality assessment with well-supported risk rating, identification and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Partner proactively with relationship managers and be involved throughout the deal process to maintain timely and accurate risk ratings for a portfolio of commercial credits.
• 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.
• Attend client/prospect calls with RMs to understand the client/prospect and their business for effective analysis and underwriting.
• Recommend risk ratings based on underwriting parameters.
• Prepare summaries, present facts, and offer opinions concerning credit-worthiness.
• Present analyses or address questions during credit request discussions or committee presentations.
• Ensure credit policy compliance by verifying underwriting adherence to the Commercial Credit Policy and commenting on any associated risks.
• Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite.
• Identify and escalate risk-related issues to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points and addressing issues raised by external regulators.
• Complete other related duties as assigned.

Scope of Responsibilities

The Commercial Credit Department is responsible for independent credit quality assessment of the Bank's commercial clients. This includes initial analyses of new relationships, material modifications or restructurings of long-term relationships, and ongoing monitoring throughout the life of the loan. The Department also ensures the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work performed informs new credit decisions. The position interacts with commercial clients.

Requirements

• [Not Specified]

Application Instructions

• [Not Specified]

Company Information

• Company: M&T Bank