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.

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 for existing clients, providing insights as to risks, factors to be considered, additional information needed for decisioning, structuring changes, creative solutions, etc.
• Ensure appropriate product/industry specialties are involved as a means of promoting sound underwriting.
• Provide 2nd line ownership of credit risk for a large portfolio representing 25% or more 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.
• 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 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 together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Scope of Responsibilities

The business segments served primarily focus on large dollar exposures and may include the following Specialty Lending verticals: Large Corporate, Fund/Franchise, FIG, Asset Based, Residential Mortgage Warehouse, Healthcare, Not for Profit, Dealer Commercial Services, Trade Finance, Equipment Leasing, Leveraged Lending, Private Banking and others to be developed. Requires in-depth credit leadership expertise in multiple, specialized lending functions. Demonstrated understanding of the syndicated loan markets and related documentation. Requires the ability to make clear, sound credit decisions in a fast-paced environment.

Lending areas and credit work as a team to build long-standing, profitable relationships. 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. The impact and scope of these activities impacts all of the business areas supported, the development of broader relationships with clients, and directly impacts 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.

Employment Type

Full time

Education and Experience Required

• Bachelor's degree and minimum of 15 years 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.

Salary

• [Salary information not provided]

Location Type

• [Location Type information not provided]