Hybrid Commercial Credit Manager

at M&T Bank

• Job title: Commercial Credit Manager
• Job type: Full Time
• Experience level: Senior, Lead
• Salary: $184,400 - $307,400 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Philadelphia, United States

About the role

• Commercial Credit Manager leading a team of credit professionals at M&T Bank. Evaluating and managing a portfolio of commercial credit relationships to support business growth.

Responsibilities

• Lead 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 make recommendations on appropriate credit structures, risk ratings, and perform continuous 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.
• 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 underwriting 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.
• 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.
• Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
• Promote an environment that supports belonging and reflects the M&T Bank brand.

Requirements

• Bachelor’s degree in Accounting, Finance, or related discipline
• 9 years’ related 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’ related 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 complex credit structures and syndicated loans.
• Ability to lead cross functional teams and manage multiple projects simultaneously.
• Familiarity with credit risk rating models and loan / portfolio management systems.
• Proficiency in Microsoft Office.

Benefits

• Competitive salary
• Medical benefits
• Retirement plans
• Paid volunteer time