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Credit Officer II

Company: M&T Bank
Location: Buffalo
Posted on: June 25, 2022

Job Description:

Overview: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 returns needed.Primary Responsibilities:

  • 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 credits from teams they support are presented.
  • 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.
  • 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:Supervisory/ Managerial Responsibilities:None.Education and Experience Required:Bachelor's degree in business, economics, or mathematics and minimum of 7 years commercial credit and/or lending experienceOR in lieu of a degree,a combined minimum of higher education and/or work experience including 11 years commercial credit and/or lending experienceProficiency with personal computers-word processing, spreadsheet and email software.Strong interpersonal skills.Ability to provide leadership in a consensus driven environment.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 and opportunities.LocationBuffalo, New York, United States of America

Keywords: M&T Bank, Buffalo , Credit Officer II, Other , Buffalo, New York

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