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Sr Credit Quality Assurance Analyst

Company: M&T Bank
Location: Buffalo
Posted on: November 19, 2021

Job Description:

Overview:--Analyze and monitor the credit quality and loan exposure for assigned commercial problem loan portfolio with a focus on the largest most complex problem credits.-- Additionally monitor/oversee the credit quality of higher risk transactions including but not limited to: syndicated credits, participations and highly leveraged transactions with or without private equity sponsors.Make appropriate recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy.Escalate credit problems and make appropriate recommendations for action to management.Serve as a backup for the Credit Quality Team Leaders. Primary Responsibilities:--

  • Independently review and evaluate accuracy of individual risk ratings on assigned loan portfolio.
  • Communicate regularly with business line management and/or relationship managers, DCO---s, SCO---s, Special Assets, etc. regarding high risk and/or problem loans in their portfolio with emphasis on delinquencies, overdrafts, identification of criticized loans, potential non-accruals, loss exposure and/or charge-offs.
  • Actively participate in and/or facilitate the quarterly problem loan meetings and perform all necessary pre and post reporting requirements.
  • Complete analysis for impairment reserves for both legacy and acquired portfolios.
  • Provide guidance and assistance to other analysts on the larger more complex problem relationships, as well as resolving risk rating conflicts.
  • Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required.
  • Assist the Department Manager and Team Leaders to develop and execute strategies to provide better insight into portfolio risk.
  • Prepare written documents and escalate material findings to the Department Manager and/or Team Leaders on an ongoing basis.
  • Assist with targeted Bank Examinations as required.
  • 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:--Strong interpersonal skills necessary for business partner relationships within and outside the organization.Provides appropriate documentation and support when assessing the commercial problem loan portfolio.Escalate credit problems and make recommendations for --action to management --to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted. Supervisory/ Managerial Responsibilities:--Actively coach/mentor junior staff.Provide direct assistance/support to the Department Manager and/or Team Leaders which could include assuming Team Leader responsibilities on occasion.Act as backup to the Team Leaders.Assist in staff training.May have some supervisory responsibilities. Education and Experience Required:--Minimum seven --(7) years previous experience in commercial credit, lending, finance, accounting and/or audit.Bachelor degree in a business related curriculum, or in lieu of degree, eleven years--- experience required. Education and Experience Preferred:--Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc.Communicate effectively both in writing and verbally.Ability to multi-task and prioritize to complete work within established timeframes.--Ability to analyze and understand financial data, collateral documentation and other credit issues.Ability to work independently with minimal oversight from management.--Strong understanding of credit policies and guidelines.MBA preferred.LocationBuffalo, New York, United States of America

Keywords: M&T Bank, Buffalo , Sr Credit Quality Assurance Analyst, Professions , Buffalo, New York

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