Commercial Credit Team Lead II – Portfolio Management

Commercial Credit Team Lead II – Portfolio Management

Requirements

• Bachelors’ degree in Accounting, Finance, or related discipline
• 8 years’ related experience
• 3 years’ work leadership/supervisory experience
• In lieu of degree, a combined minimum of 12 years’ higher education and work experience including a minimum of 8 years’ related experience and 3 years’ work leadership/supervisory experience.

Responsibilities

• Lead team that partners proactively with the sales and underwriting teams and is intimately involved in continuous credit monitoring (CCM) for a portfolio of commercial clients.
• Provide an independent credit quality assessment of the Bank’s largest commercial clients identifying appropriate risk rating, credit risks and mitigates, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Responsible for the day to day activities of a monitoring team to include the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team enabling the timely identification of emerging credit risk.
• Maintain the quality of CCM deliverables, based on a program of mentoring team members and reviewing final work prior to submission to appropriate credit authority.
• May monitor or provide guidance on more complex credit structures.
• Serve as the point person for assigning new customer relationships, supports team in prioritizing work, and monitors workflow to ensure timeliness and adequate team coverage.
• Support various regions in terms of credit analysis functions by partnering proactively with the sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis.
• 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.
• 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.
• 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-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.
• Complete other related duties as assigned.

Preferred Qualifications

No preferred qualifications provided.