Commercial Credit Senior Portfolio Manager I - CRE
Company: M&T Bank
Posted on: June 24, 2022
OVERVIEWMonitor 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.RESPONSBILITIES
- 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
- 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 identify emerging risks or material changes in
customers financial position, including evaluation of compliance
with the loan agreement. Analyses to include an independent credit
quality assessment for existing loans with well-supported risk
rating rationale, identification of credit risks and mitigants,
industry concerns, market trends, financial trends, and other
pertinent credit issues.
- 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. 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 in order to maintain timely and accurate
risk ratings for a portfolio of commercial credits.
- Spread financial statements and prepare financial models
designed to sensitize various conditions impacting the proposed
transaction. Prepare cash flow, collateral schedules, covenant
sensitivity calculations, financial models, and guarantor statement
analysis as appropriate.
- 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, and
evaluating any risk associated with non-compliance.
- Present analysis or address questions during credit discussions
- May attend client 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 ongoing
- 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.SCOPEThe 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, on credit
monitoring of $30MM+ typically. Works under limited
supervision.Potential for client interaction.Works independently
with limited supervisionMANAGMENET RESPONSBILITIESInput into
training of junior/newly hired Portfolio ManagersEDUCATION
REQUIREDBachelor's degree in Accounting/Finance or related
disciplineEXPEREINCE REQUIRED5 years' experience in commercial
credit, public accounting, financial statement preparation/analysis
or other financial analysis.Excellent verbal and written
communication skills.Excellent analytical abilityLocationBuffalo,
New York, United States of America
Keywords: M&T Bank, Buffalo , Commercial Credit Senior Portfolio Manager I - CRE, Executive , Buffalo, New York
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