Job Description

Position Overview

Ensure that the quality of the Bank's commercial portfolio, existing business, and new opportunities in the business segments align with the Bank's risk appetite and meet appropriate return levels. This role provides 2nd line ownership of credit risk for a large portfolio, representing 25% or more of the Bank’s entire Commercial portfolio. Ongoing communication of our evolving risk tolerance with both 1st and 2nd line colleagues is a critical success factor.

Primary Responsibilities

• Decision credit requests using designated approval authority, including new business, renewals, amendments, waivers, and modifications for supported business lines.
• Review early-stage business opportunities for prospects or existing clients, providing insights into risks, factors to consider, additional information needed for decisioning, structuring changes, and creative solutions.
• Ensure appropriate product/industry specialties are involved to promote sound underwriting.
• Serve as a permanent voting member in Senior Loan Committee, the Bank’s highest credit approval committee.
• Operate as Chair of regional Manager Loan Committee(s).
• Review deteriorating credit situations with the objective of balancing loss mitigation with client management. Participate in quarterly criticized asset meetings.
• Review daily overdraft reports, monthly past due credits, credit down/grades/upgrades, asset-based field exam results, and all other administrative reporting to ensure that credits are being managed within Bank risk appetite.
• Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management, and terminations.
• Participate in committees that enhance the development of the Bank's risk management infrastructure.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• 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, along with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Scope of Responsibilities

This role covers the full breadth of M&T’s Middle Market commercial banking portfolio, representing the core of the Community Banking franchise. Credit's role is to provide timely decisioning and creative solutions to commercial business opportunities/problems, from decisioning loan requests, covenant modifications, overdrafts, and credit proposals, to identifying problem credit situations. This requires expertise across a broad spectrum of industries and lending structures. The impact and scope of these activities affect all supported business areas, the development of broader client relationships, and directly impact the profitability of the Bank.

Supervisory/Managerial Responsibilities

Manages a team of 3 - 5 managing Senior Credit Officers, who in turn manage a similar number of Senior Credit Officers.

Requirements

• Education and Experience:
  • Bachelor's degree and a minimum of 15 years of commercial lending experience, including line customer contact responsibilities as RM and/or Unit Manager with credit decisioning, and 7 years of management experience.
  • OR In lieu of a degree, a combined minimum of higher education and/or work experience including 19 years of commercial lending experience, including line customer contact responsibilities as RM and/or Unit Manager with credit decisioning, and 7 years of management experience.
• Skills:
  • Proficiency with personal computers (word processing, spreadsheet, and email software).
  • Strong interpersonal skills.
  • Ability to provide leadership in a consensus-driven environment.
  • In-depth knowledge of industries and businesses served.

Employment Type

Full time

Location Type

• [Information not provided]

Salary

• [Information not provided]