United States onlyOverview:
The Credit Review Team serves as the third line of defense relative to credit risk. The Sr. Credit Review Officer is responsible for analyzing and monitoring of credit quality and loan exposure for the Bank's Commercial and/or Retail loan portfolios. The Sr. Credit Review Officer evaluates the accuracy of assigned risk ratings and proposed adjustments as necessary.
Primary Responsibilities:
Independently complete reviews of loans for larger, more complex credits, as requested by department management. In accordance with established operational procedures, review and validate the accuracy of individual risk ratings and/or Retail protocol for risk analysis 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 issues. 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 appropriate documentation and support for reviewed loans.
Communicate, as needed, with 1st and 2nd line of defense management regarding loans reviewed.
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 diversity and reflects the M&T Bank brand.
Complete other related duties as assigned.
Scope of Responsibilities:
As part of the third line of defense, the Sr. Credit Review Officer plays a key role in Credit Review’s activities to independently evaluate the strength of the credit risk management framework, including the accuracy of assigned risk ratings. The Sr. Credit Review Officer has a good understanding of credit policies and procedures, as well as large and more complex loan exposures. The Sr. Credit Review Officer alerts management to credit problems so that action can be taken to ensure timely recognition of appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted.
Supervisory/ Managerial Responsibilities:
May provide coaching to Credit Review Officers and assist with staff training.
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 in lieu of a degree,
a combined 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.
