Credit Strategy Lead
Settle- Full Time
- Junior (1 to 2 years)
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.
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.
Full-service banking for individuals and businesses
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.