Senior Credit Officer

Overview:

Ensure that the quality of the Bank's commercial portfolio, existing business and new opportunities in the business segments supported reflect the Bank's credit culture and meet minimum returns needed.

Primary Responsibilities:

• Decision credit requests using designated approval authority, including new business, renewals, amendments, waivers, and modifications for supported business lines.
• Review early stage business opportunities for prospects or for existing clients, providing insights as to risks, factors to be considered, additional information needed for decisioning, structuring changes, creative solutions, etc.
• Ensure appropriate product/industry specialties are involved as a means of promoting sound underwriting.
• Participate in weekly Manager's Loan Committee as permanent voting member. Alternate committee chair responsibilities.
• Review deteriorating credit situations with the objective of shoring up the Bank's position while providing the client with flexibility to resolve its problems. Participate in quarterly problem loan management meetings.
• Review daily overdraft reports, monthly past due credits, credit downgrades/upgrades, asset based field exam results, and all other administrative reporting to ensure that credits are being managed within Bank risk appetite.
• Provide mentoring, coaching, and overall leadership to line lenders supported.
• May exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
• Participate in committees that enhance the development of the Bank's risk management infrastructure.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Promote an environment that supports diversity 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:

The business segments served primarily focus on large dollar exposures: Corporate, Commercial Real Estate, Asset Based, Healthcare, Not for Profit, Trade Finance, Leasing, and Private Banking.

Considering that lending areas and credit work as a team to build long-standing, profitable relationships, credit’s role is to provide timely decisioning and creative solutions to commercial business opportunities/problems – from decisioning loan requests, covenant modifications, overdrafts, and credit proposals, to identifying problem credit situations. The impact and scope of these activities impacts all of the business areas supported, the development of broader relationships with clients, and directly impacts the profitability of the Bank.

Supervisory/ Managerial Responsibilities:

May manage a small team of credit officers.

Education and Experience Required:

Bachelor's degree in business, economics, or mathematics and minimum of 10 years commercial credit and/or lending experience

OR in lieu of a degree,

a combined minimum of higher education and/or work experience including 14 years commercial credit and/or lending experience.

Proficiency with personal computers-word processing, spreadsheet and email software.

Strong interpersonal skills.

Ability to provide leadership in a consensus driven environment.

Knowledge of industries and businesses served, and need to stay continually informed about U.S. and global business trends, other corporations' competing products, etc. in order to better assess risks and opportunities.

Ability to define creative solutions relative to credit structures and opportunities.

Education and Experience Preferred:

MBA or MS.

15 years credit decisioning role in business line supported.

Knowledge of Bank’s policies and government relations.

Location