Provide direct support to Relationship Manager, Group Manager and Senior Credit Officer with respect to portfolio management of customer relationships, with an emphasis on compliance, continuous monitoring and assisting with documentation of credit needs for new and existing customers within the M&T Business Capital Loan Portfolio.
Responsibilities: • Liaison between M&T Business Capital Relationship Managers throughout the M&T footprint and the Credit Division (Loan Analysis) with efforts coordinated by the Group Manager for facilitating credit needs of customers, whether through new requests, modifications or annual reviews / renewals. Includes documenting and tracking of relevant information, reports and memos to ensure necessary credit approvals are obtained, documented and adhered to from fulfillment through closing and maintenance. • In some cases, attend client / prospect calls with RMs in order to gain a thorough understanding of the client / prospect and their business in order to effectively assist in annual reviews, renewals and prospect conversions. To facilitate travel will be limited and within the M&T footprint. • Support underwriting efforts by completing due diligence on prospects or customers as may be required and coordinate such work with Credit Division and Relationship Managers. • Analyze financial information under direction of Relationship Manager or Group Manager. Assists in preparing cash flow and collateral schedules, covenant sensitivity calculations, financial models and guarantor statement analysis. • Monitor credit performance of customer portfolios and alert personnel to changes that may require action to ensure risk mitigation in order to minimize potential losses. • Support Relationship Managers in related portfolio management activities, whether related to credit, depository or other banking services. Perform other related duties and special projects as requested by management. • Perform other related duties and special projects as requested by management, which could include managing a limited number of customer relationships, performing the functions of a Relationship Manager in oversight of these customers, whether in identifying and providing product solutions, or in ongoing servicing of the account relationships.
Nature and Scope: • Incumbent works under general supervision and will work very closely with Group Manager, Senior Credit Officer and RM in all aspects of the loan process. • Increased complexity and size of deals managed. • Impact extends to Bank's long-term operations, revenues and profitability.
Minimum Qualifications Required: • Bachelor's degree in Accounting/Finance or related field with a minimum of four years Accounting, Finance or Credit or relevant experience or in lieu of a degree a combined minimum of eight years higher education and/or work experience to include a minimum of four years of Accounting, Finance or Credit or relevant experience. • We encourage candidates with relevant military experience to apply.
Ideal Qualifications Preferred: • Bachelor's degree in Accounting/Finance • Commercial lending experience • Solid knowledge of personal computers • Thorough knowledge of various software programs Word, Excel and other departmental software • Excellent analytical capability • 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