Overview:

Part of a team of professionals assigned to portfolio and risk management, service and sales support activities associated with the Business Banking Sales Division. Provides exemplary customer service by maintaining an active role in all areas of business development support. Supports complex portfolio needs as well as supports department goals for both growth and asset quality under the direction of the Business Banking Operations Manager.

Primary Responsibilities:

• Develops and maintains specialized knowledge of loan accounting systems, internal policies, procedures, and systems/applications, applicable regulatory guidelines, and ensures any issues are addressed and provided resolution.
• Knowledge and interpretation of M&T Credit Policy, business financial documents, business banking loans, and additional legal documentation associated with maintaining satisfactory asset management.
• Manages the communication between credit underwriting, external attorneys, internal legal, document preparation departments, and others as may be needed to meet loan closing deadlines and resolve relevant issues.
• Partners with designated team and other internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes. Escalates issues as appropriate. Coordinates with members of the sales team/leadership to process exception requests, and deviations from day-to-day business processes.
• Lead regular one-on-one meetings with Relationship Manager(s) that he/she supports as well as attends cross-business line cluster meetings to prioritize ongoing activities regarding portfolio management as well as new loan requests.
• Part of the client facing team supporting transaction requests, documentation collection, fraud support, error resolution, resolving escalations, and ad hoc needs.
• Research client and bank issue and escalation and propose solutions and potential trade-offs for resolution. Outline risks and propose mitigants.
• Monitor and manage the outstanding assets in the portfolio, such as, but not limited to, maturing loans, exception pricing, annual reviews, and covenant compliance.
• Act as a first line of defense with the relationship team to help identify and mitigates risks.  
• May perform other duties as assigned such as, but not limited to, participating in the training, and mentoring of new team members, identifying areas of opportunity for improvements, participating on projects related to process efficiency.
• Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
• 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.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Scope of Responsibilities:

The incumbent is responsible for performing all follow-up and backup work required to support business development representatives or mortgage administrator with day to day customer service.  This allows business development representatives or mortgage administrators to focus on generating sales and not the administrative responsibilities.

The incumbent must possess the ability to initiate independent action, using skill and judgement in identifying and resolving problems and anticipating customer needs.

Supervisory/ Managerial Responsibilities:

None

Education and Experience Required:

Bachelor’s degree and a minimum of 4 years’ service experience or in lieu of a degree a combined minimum of 8 years higher education and/or work experience, including a minimum of 4 years’ service experience

3 years retail/commercial/corporate credit loan processing experience

Proficient personal computer skills, including Microsoft Word and Excel

Education and Experience Preferred:

Knowledge of bank policies, procedures, and banking regulations are required.  Knowledge of courthouse and state filings 

Knowledge of financial statements and loan documentation

Ability to work as a team member

Excellent customer service skills with the ability to use tact and diplomacy

Sales ability

Physical Requirements:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Harrisburg, Pennsylvania, United States of America