Commercial Portfolio Manager
Company: M&T Bank
Posted on: January 15, 2022
Provide direct support to Relationship Manager, Group Manager and
Senior Credit Officer with respect to portfolio management of
customer relationships, with an emphasis on compliance, continuous
monitoring and assisting with documentation of credit needs for new
and existing customers within the Commercial Loan Portfolio.
Liaison between Commercial Banking Relationship Managers and the
Credit Division (Loan Analysis or Credit Shared Services) for
facilitating credit needs of customers, whether through new
requests, modifications or annual reviews / renewals. Includes
documenting and tracking of relevant information, reports and memos
to ensure necessary credit approvals are obtained, documented and
adhered to from fulfillment through closing and maintenance.
Attend client / prospect calls with RMs in order to gain a thorough
understanding of the client / prospect and their business in order
to effectively assist in annual reviews, renewals and prospect
Support underwriting efforts by completing due diligence on
prospects or customers as may be required and coordinate such work
with Credit Division and Relationship Managers.
Analyze financial information under direction of Relationship
Manager or Group Manager.
Assists in preparing cash flow and collateral schedules, covenant
sensitivity calculations, financial models and guarantor statement
Monitor credit performance of customer portfolios and alert
personnel to changes that may require action to ensure risk
mitigation in order to minimize potential losses.
Support Relationship Managers in related portfolio management
activities, whether related to credit, depository or other banking
services. Perform other related duties and special projects as
requested by management.
Perform other related duties and special projects as requested by
management, which could include managing a limited number of
customer relationships, performing the functions of a Relationship
Manager in oversight of these customers, whether in identifying and
providing product solutions, or in ongoing servicing of the account
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.
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:
Incumbent works under general supervision and will work very
closely with Group Manager, Senior Credit Officer and RM in all
aspects of the loan process.
Impact extends to Bank's long-term operations, revenues and
Supervisory/ Managerial Responsibilities:
Education and Experience Required:
Bachelor's degree in Accounting/Finance or related discipline with
a minimum of 2 years Accounting, Finance, or Credit professional
or in lieu of a degree,
a combined minimum of 6 years higher education and/or relevant work
experience to include a minimum of 2 years Accounting, Finance, or
Credit professional work experience.
Excellent analytical capability.
Knowledge of credit principles.
Highly motivated, detail-oriented self-starter.
Excellent communication and organization skills.
Ability to interact with external and internal personnel using tact
Ability to work under critical time constraints.
Education and Experience Preferred:
Commercial lending experience.
Solid knowledge of personal computers.
Thorough knowledge of various software programs Word, Excel and
other departmental software.
Keywords: M&T Bank, Buffalo , Commercial Portfolio Manager, Accounting, Auditing , Buffalo, New York
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