Commercial Credit Senior Portfolio Manager C&I II

Commercial Credit Senior Portfolio Manager C&I II

Requirements

• Bachelors’ degree in Accounting, Finance, Economics or related field
• 7 years experience in complex credit underwriting, specialty underwriting or other complex financial analysis role
• In lieu of degree, a combined minimum of 11 years’ higher education and work experience to include 7 years experience in complex credit underwriting, specialty underwriting or other complex financial analysis role
• Excellent verbal and written communication skills
• Excellent analytical ability

Responsibilities

• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities 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.
• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.
• Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions.
• Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers, whether through new requests, modifications or annual reviews / renewals.
• Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
• Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.
• Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy.
• Present analysis or address questions during credit discussions or presentations.
• May attend client calls with RMs in order to gain a thorough understanding of the client / prospect and their business in order to effectively assist in annual reviews, renewals and ongoing monitoring activities.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• 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.