Overview: 

Provide direct support to Workout Officers, Special Assets Team Leaders, Regional Special Assets Managers, and Department Manager in regard to credit underwriting, portfolio management, compliance, and monitoring of new and existing customers within the Special Assets portfolio.

Primary Responsibilities: 

• Liaison with Workout Officers for the purpose of facilitating underwriting approval memos and Problem Loan Management Reports.  Includes tracking the receipt of financial statements, ordering appraisals, compliance with covenants, and borrowing base certificates. 
• Attend client meetings with Relationship Managers in order to gain a thorough understanding of the client and their business in order to effectively assist in effective management of the portfolio.
• Support portfolio management efforts by completing due diligence on clients including: trade reference verification, credit reports and industry/company research.  Preparation of reports for regulators and management.  Primary responsibility will also include Problem Loan Management Reports, and Scorecards.
• Perform other related duties and special projects as requested by management.
• Analyze financial information.  Assist RMs in preparing cash-flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis.
• Participate in internal strategy discussions.
• 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: 

Incumbent works under general supervision and will work very closely with Workout Officers, Special Assets Team Leaders, Regional Special Assets Managers, and Department Manager in all aspects of the loan process.  Impact extends to the Bank’s long-term operations, revenues, and profitability.

Supervisory/ Managerial Responsibilities: 

None

Education and Experience Required: 

Bachelors degree or four years of equivalent related experience. 

5 years of commercial lending or commercial credit experience.

Requires very strong financial analytical skills. 

Bankruptcy experience preferred.

Solid knowledge of personal computers.  Thorough knowledge of various software programs: Word, Excel and other departmental software.

Education and Experience Preferred: 

Excellent analytical ability.  Knowledge of credit principles.  Highly motivated, detail-oriented self-starter.  Excellent communication and organization skills.  Ability to interact with external and internal personnel using tact and diplomacy.  Ability to work under critical time constraints. 

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 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