The Role
Independently perform credit quality monitoring and assessments of commercial loans and portfolios. Validate risk ratings, underwriting, and credit files; analyze financials and collateral; report findings and escalate material issues. Provide guidance to credit teams, support remediation, maintain controls, and assist with special projects and training.
Summary Generated by Built In
Overview:
As part of the first line of defense, the Commercial Credit Quality Monitoring Officer independently performs assessments and monitoring of credit risk. This role has a strong understanding of credit policies, risk rating guidance, and procedures, as well as large and more complex loan exposures.
Primary Responsibilities:- Perform quality monitoring reviews on individual loans and targeted portfolios. Independently complete reviews and provide feedback in accordance with established operational procedures and timelines.
- Review and validate the accuracy of individual risk ratings, completeness of the credit file, and/or adherence to policies for loans reviewed.
- Ensure underwriting and credit analyses are sound and appropriately justify and/or mitigate credit risk.
- Analyze and understand financial data, collateral documentation and other credit monitoring functions. This process includes analyzing financial data and collateral documentation to determine the borrower’s cash flow and ability to repay debt and gauging the quality and collectability of collateral.
- Provide guidance to Commercial Credit teams more complex loan relationships.
- Communicate regularly with Commercial Credit management regarding quality monitoring/assurance reviews.
- Prepare written documentation and/or reports and escalate material findings to the Commercial Credit Quality Monitoring Manager.
- Assist with special projects as assigned and perform additional duties and responsibilities as required.
- Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. 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.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Act as a subject matter expert to provide coaching and mentoring to the staff.
Independently work with Commercial Credit Leadership to identify credit risks and contribute meaningful solutions for improvement and consistency.
Input into the development of and training of junior/newly hired team members.
Education and Experience Required:
- Bachelor’s degree in a business-related curriculum and a minimum of 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit and/or other relevant experience or 9 years’ higher education and/or working experience, including 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience.
- Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
- Ability to communicate effectively both in writing and verbally.
- Experience with spreadsheet, word processing, presentation and database software.
- Ability to multi-task and prioritize to complete work within established timeframes.
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 $89,600.00 - $149,300.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of AmericaSkills Required
- Bachelor's degree in a business-related field plus a minimum of 5 years' experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, or relevant experience (alternate: 9 years higher education/experience including 5 years relevant experience).
- Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
- Ability to communicate effectively in writing and verbally.
- Experience with spreadsheet, word processing, presentation and database software (e.g., Microsoft Excel, Word, PowerPoint).
- Ability to multi-task and prioritize to complete work within established timeframes.
- Experience analyzing financial data, collateral documentation, and preparing credit analyses to assess borrower repayment ability and collateral quality.
- MBA, advanced degree, or CPA.
- Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
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Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
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Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
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The Company
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
