M&T Bank

Commercial Portfolio Manager I (CRE)

United States

M&T Bank Logo
Not SpecifiedCompensation
Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries

Requirements

Candidates should possess a Bachelor’s degree in Finance, Economics, Accounting, or a related field, and a minimum of 3 years of experience in commercial lending or credit analysis, with a preference for experience within the CRE sector. Strong analytical and financial modeling skills are required, along with a thorough understanding of credit risk assessment methodologies and commercial real estate markets. Knowledge of US lending regulations and experience with loan documentation are also essential.

Responsibilities

The Commercial Portfolio Manager I (CRE) will evaluate and monitor the credit risks of complex commercial clients and higher dollar loans, conducting detailed financial statement analysis and industry assessments. They will facilitate the credit needs of customers by underwriting loan requests and modifications, manage the ongoing credit risk of existing loan portfolios through CCM activities, review pertinent credit information, determine the need for further investigation, analyze financial data, prepare credit analyses and financial models, partner with relationship managers, and present credit recommendations. Additionally, they will ensure credit policy compliance, identify risk-related issues, and maintain internal control standards while promoting a diverse and inclusive work environment.

Skills

Financial statement analysis
Industry assessment
Collateral valuation
Cash flow analysis
Credit risk management
Financial analysis
Credit underwriting
Portfolio monitoring
Industry research
Risk rating

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.

Key Metrics

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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