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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