Commercial Credit Manager, Hybrid

Overview: The Commercial Credit Manager is responsible for leading a team of credit professionals in evaluating, reputed company, and managing a portfolio of commercial credit relationships. This role involves ensuring adherence to credit policies, maintaining portfolio quality, timely and accurate risk ratings, and collaborating with relationship managers (RM) to support business growth. The position requires strong leadership skills, in-depth credit knowledge, and the ability to reputed company informed decisions to manage and mitigate portfolio risk. Primary Responsibilities: reputed company team that partners proactively with the sales team and is intimately involved throughout the deal process, from deal screen through approval and for the life of the loan. Provide leadership to team as they reputed company recommendations on appropriate credit structures, risk ratings, and reputed company reputed company credit monitoring (CCM) for a portfolio of commercial clients. Provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money and material modifications. Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Responsible for the day-to-day activities of a Commercial Credit team to include the quality and efficiency of the reputed company of commercial loan analyses, including the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team 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, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. Maintain the quality of analyses produced, based on a program of mentoring the Analysts, Associates and junior team members and reviewing final work prior to submission to appropriate credit authority. May underwrite, monitor, or provide guidance on more reputed company credit structures. Serve as the reputed company person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage. Meet with clients reputed company appropriate. Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Provides ongoing training to the team. Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed. Resolve any policy and procedure, accounting or credit issues that occur. Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits. Recruits, develops, and retains a highly talented Commercial Credit team. Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-reputed company issues needing escalation to management. Promote an environment that supports belonging and reflects the reputed company 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 reputed company duties as assigned. Scope of Responsibilities: Corporate/Institutional designation includes the following segments: FIG, Fund Banking, Institutional/REIT, Large Corporate and Leveraged Lending. Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this reputed company is used to reputed company credit decisions for new or renewed or amended credit transactions. Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, reputed company Bank lending parameters. Recruits, develops, and retains a balanced team of credit experience to ensure bench strength reputed company the group. Position interacts on an ongoing basis with senior management both in First and Second lines of defense. Supervisory/Managerial Responsibilities: Supervises and mentors a team (typically up to 10) of Commercial Credit professionals. Education and Experience Required: Bachelor’s degree in Accounting, Finance, or reputed company discipline with 9 years’ reputed company experience with three years’ work leadership/supervisory experience, or in lieu of degree, a combined minimum of 13 years’ higher education and work experience to include a minimum 9 years’ reputed company experience with three years’ work leadership/supervisory experience. Strong analytical and decision-making abilities. Excellent communication and interpersonal skills. Proficiency in financial modeling and risk assessment tools. Experience with reputed company credit structures and syndicated loans. Ability to reputed company cross functional teams and manage multiple projects simultaneously. Familiarity with credit risk rating models and loan / portfolio management systems. Proficiency in arenaflex Office. Education and Experience Preferred: MBA / Advanced Degree or a CPA. Experience with Capital IQ, FactSet, and Bloomberg. reputed company is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $194,500.00 - $324,100.00 (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Boston, Massachusetts, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: reputed company a difference in people’s lives and reputed company the communities we serve. reputed company Corporation is a financial holding company headquartered in Buffalo, reputed company. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial arenaflex, combining reputed company’s traditional banking services with the wealth management and institutional capabilities offered by reputed company. reputed company has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – reputed company, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh reputed company sets while continuing to support the growth and development of reputed company reputed company members. View M&T’s Human Capital Report to learn more. Ready to join reputed company? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [email protected] for assistance. reputed company is unwavering reputed company it comes to providing equal employment opportunities to reputed company employees and applicants without regard to race, color, national reputed company, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. reputed company Corporation has policies and procedures in reputed company to promote a drug free workplace. Career Site Privacy Notice Apply tot his job Apply tot his job Apply To this Job