Mtb

Mid-Corporate Commercial Credit Manager

Radnor, PA · Mid

Sponsorship not specified$163k-$272kDetected 2 days ago

SalesFinancial ModelingAccountingValuationAuditingPerformance ManagementLeadershipCommunicationMentoringInternal AuditUnderwriting

About the role

The Commercial Credit Manager is responsible for leading a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships in the Mid-Corporate segment.
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.
These assessments include initial analyses of new money and material modifications.

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.
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.
Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
Recruits, develops, and retains a highly talented Commercial Credit team.

Proficiency in financial modeling and risk assessment tools.
Experience with complex credit structures and syndicated loans.
Familiarity with credit risk rating models and loan / portfolio management systems.
Proficiency in Microsoft Office.
MBA / Advanced Degree or a CPA.
Experience with Capital IQ, FactSet, and Bloomberg.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees.
The pay range for this position is $163,100.00 - $271,900.00 Annual (USD).
The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
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.
A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.

Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage.

Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement.
Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.

This listing is sourced directly from Mtb's careers page and normalized into a canonical job model.