Senior Credit Officer
Company: M&T Bank
Posted on: September 25, 2022
Ensure that the quality of the Bank's commercial portfolio,
existing business and new opportunities in the business segments
supported reflect the Bank's credit culture and meet minimum
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.
Participate in weekly Manager's Loan Committee as permanent voting
member. Alternate committee chair responsibilities.
Review deteriorating credit situations with the objective of
shoring up the Bank's position while providing the client with
flexibility to resolve its problems. Participate in quarterly
problem loan management meetings.
Review daily overdraft reports, monthly past due credits, credit
downgrades/upgrades, asset based field exam results, and all other
administrative reporting to ensure that credits are being managed
within Bank risk appetite.
Provide mentoring, coaching, and overall leadership to line lenders
May 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 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:
The business segments served primarily focus on large dollar
exposures: - Corporate, Commercial Real Estate, Asset Based,
Healthcare, Not for Profit, Trade Finance, Leasing, and Private
Considering that 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:
May manage a small team of credit officers.
Education and Experience Required:
Bachelor's degree in business, economics, or mathematics and
minimum of 10 years commercial credit and/or lending experience
OR in lieu of a degree,
a combined minimum of higher education and/or work experience
including 14 years commercial credit and/or lending experience.
Proficiency with personal computers-word processing, spreadsheet
and email software.
Strong interpersonal skills.
Ability to provide leadership in a consensus driven
Knowledge of industries and businesses served, and need to stay
continually informed about U.S. and global business trends, other
corporations' competing products, etc. in order to better assess
risks and opportunities.
Ability to define creative solutions relative to credit structures
Education and Experience Preferred:
MBA or MS.
15 years credit decisioning role in business line supported.
Knowledge of Bank's policies and government relations.
Buffalo, New York, United States of America
Keywords: M&T Bank, Buffalo , Senior Credit Officer, Accounting, Auditing , Buffalo, New York
Didn't find what you're looking for? Search again!