M&T Bank Corporation
Commercial Credit Senior Portfolio Manager I
M&T Bank Corporation, Rockville, Maryland, us, 20849
Commercial Credit Senior Portfolio Manager IOverview
Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.Responsibilities
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions. Risk assessment of customers is on an ongoing basis with a focus on identifying emerging risks or material changes in customers' financial position, including evaluation of compliance with the loan agreement.Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers, whether through new requests, modifications or annual reviews/renewals.Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy.Present analysis or address questions during credit discussions or presentations.May attend client calls with RMs in order to gain a thorough understanding of the client/prospect and their business.Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.Promote an environment that supports diversity and reflects the M&T Bank brand.Complete other related duties as assigned.Scope
The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank’s commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements. This position interacts with Commercial Banking Relationship Managers throughout the bank’s footprint, as well as other internal personnel.Management Responsibilities
Input into training of junior/newly hired Portfolio Managers.Education and Experience Required
Bachelors’ degree in Accounting, Finance, Economics or related discipline with 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis or in lieu of degree a combined minimum of 9 years’ higher education and work experience to include 5 years experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.Skills
Excellent verbal and written communication skills. Excellent analytical ability.Location
Rockville, Maryland, United States of AmericaCompensation
The pay range for this position is $98,720.40 - $164,534.00 Annual (USD).Equal Opportunity Employer
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
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Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.Responsibilities
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions. Risk assessment of customers is on an ongoing basis with a focus on identifying emerging risks or material changes in customers' financial position, including evaluation of compliance with the loan agreement.Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers, whether through new requests, modifications or annual reviews/renewals.Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy.Present analysis or address questions during credit discussions or presentations.May attend client calls with RMs in order to gain a thorough understanding of the client/prospect and their business.Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.Promote an environment that supports diversity and reflects the M&T Bank brand.Complete other related duties as assigned.Scope
The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank’s commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements. This position interacts with Commercial Banking Relationship Managers throughout the bank’s footprint, as well as other internal personnel.Management Responsibilities
Input into training of junior/newly hired Portfolio Managers.Education and Experience Required
Bachelors’ degree in Accounting, Finance, Economics or related discipline with 5 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis or in lieu of degree a combined minimum of 9 years’ higher education and work experience to include 5 years experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.Skills
Excellent verbal and written communication skills. Excellent analytical ability.Location
Rockville, Maryland, United States of AmericaCompensation
The pay range for this position is $98,720.40 - $164,534.00 Annual (USD).Equal Opportunity Employer
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
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