Credit Strategy Lead
Settle110,000 - 160,000 USD/year
- Full Time
- Junior (1 to 2 years)
Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
Candidates should possess a Bachelor’s degree in a business-related curriculum and a minimum of 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, or other relevant experience, or 9 years’ higher education and/or working experience including 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience. They should have working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration, and the ability to communicate effectively both in writing and verbally.
Responsibilities
The Lead Credit Review Officer will analyze and monitor credit quality and loan exposure for the Bank’s Commercial and Retail loan portfolios, providing recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy. They will independently complete reviews of assigned loans/portfolios to achieve appropriate loan coverage, validate risk ratings, ensure underwriting and credit analyses are sound, and analyze financial data and collateral documentation to determine borrower’s cash flow and ability to repay debt. The Lead Credit Review Officer will provide guidance to other Review Officers, communicate regularly with relationship managers, prepare written reports, and assist with special projects, while also participating in bank examinations and adhering to internal control standards and risk management policies.
Skills
Credit risk analysis
Financial data analysis
Loan portfolio review
Collateral evaluation
Risk rating
Financial documentation
Credit underwriting
Team supervision
Report writing
Project management
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.
Buffalo, New YorkHeadquarters
1993Year Founded
IPOCompany Stage
Financial ServicesIndustries
10,001+Employees