*** Work Arrangement/Location: This is a hybrid position requiring in-office work three days a week and will be based at M&T Plaza, Buffalo, NY, Long Island, NY or NYC, NY.

Overview:

This position operates in the 2nd line of defense and is embedded in the Credit Quality Assurance group within the Credit Risk Department, which is part of the Risk Division. The position acts as an oversight function of the 1st LOD and 2LOD Continuous Monitoring activities. The primary responsibility is to independently assess the accuracy and adequacy of PD grades and Risk Rating rationales, credit memo quality, and adherence to relevant underwriting guidelines and procedures. and loan exposure for assigned commercial loan portfolio with a focus problem credits.  The analyst is also responsible for analysis of criticized credits within CQA’s quarterly PLMR reviews.

Primary Responsibilities:

• Independently review and evaluate accuracy of individual risk ratings on assigned credit memos from a 2nd line perspective.
• Communicate regularly with business line management and/or relationship managers, Portfolio Managers, Co’s, SCO’s, Special Assets, etc.
• Assist with transaction testing Tableau scoping, reporting, and data pulls from nCino as needed.
• 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 to develop and execute strategies to provide better insight into portfolio risk.
• Prepare written line sheets 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 belonging 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 Commercial loans.

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:

Provide direct assistance/support to the Department Manager which could include assuming Team Leader responsibilities on occasion.

Assist in staff training.

Education and Experience Required:

Minimum seven (7) years previous experience in commercial credit, lending, (CRE/C&I/Specialty).

Bachelor’s degree in a business-related curriculum, or in lieu of degree, 8years’ experience required.

Education and Experience Preferred:

Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc.

Data analytics experience and/or licenses

Credit skills: ability to analyze and interpret financial statements, as well as evaluate financial analyses for accuracy and completeness

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.

Physical Requirements:

Not applicable

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Buffalo, New York, United States of America