Sr Credit Quality Assurance Analyst
Company: M&T Bank
Posted on: November 19, 2021
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
- Actively participate in and/or facilitate the quarterly problem
loan meetings and perform all necessary pre and post reporting
- Complete analysis for impairment reserves for both legacy and
- Provide guidance and assistance to other analysts on the larger
more complex problem relationships, as well as resolving risk
- Assist with and or act as a lead in special projects as
assigned and perform additional duties and responsibilities as
- Assist the Department Manager and Team Leaders to develop and
execute strategies to provide better insight into portfolio
- 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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