Overview:The Credit Review Team serves as the third line of defense relative to credit risk. The Credit Review Manager is responsible for the day-to-day activities of an assigned working group and for supporting the Associate Director and Director in directing the implementation of the Department's Business Plan, in a manner consistent with third Line of Defense strategies. The Credit Review Manager ensures appropriate coverage is achieved and oversees the continuous review of the Bank's Commercial loan portfolio to determine the likelihood of improvement/deterioration and degree of loss exposure or impact. The Credit Review Manager maintains the consistent and uniform application of the Bank's credit policy; escalates credit concerns and makes appropriate recommendations for action to management.Primary Responsibilities:
Exhibit a sound understanding of best practices for Credit Review's third line of defense strategies and provide credible challenge to the risk management processes and results.
Prepare written reports and escalate material findings to the Associate Director and Director on an ongoing basis.
Communicate regularly and coordinate activities with business line management regarding loans reviewed, results of fieldwork, findings and observations noted, and monitoring and assessment of remediation activities.
Plan and allocate resources to effectively manage and distribute duties/responsibilities to achieve appropriate portfolio coverage in accordance with established procedures and timelines set in the Department's Business Plan.
Provide leadership and guidance to the Review Officers on larger, more complex problem relationships, as well as resolving risk rating conflicts.
Assist the Associate Director and Director to develop and execute strategies to provide better insight into portfolio risk.
Assume a lead role with targeted bank examinations, as required.
Responsible for staff recruitment, training and development, as well as performance management and making recommendations related to performance, promotions and overall employee relations.
Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. 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.
Direct and assist with special projects as assigned and perform additional duties and responsibilities as required.
Scope of Responsibilities:As part of the third line of defense, the Credit Review Manager has an in depth understanding of credit policies and procedures, knowledge of regulatory expectations, and diversified experience across Commercial loan portfolios and complex transactions. The Credit Review Manager is responsible for maintaining timely communication between the department management and staff on portfolio and personnel issues that may arise; has strong interpersonal skills necessary for business partner relationships within and outside the organization; provides appropriate documentation and support when assessing the commercial loan portfolio; escalates credit concerns and makes recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted. In addition, the Credit Review Manager assists in setting policy, developing and overseeing the implementation of procedures or controls within the department, and provides direct assistance/support to the Associate Director.Supervisory/ Managerial Responsibilities:Manage a team of Credit Review Officers, providing coaching and development. May act as a backup to the Associate Director.Education and Experience Required:Bachelor's degree in a business related curriculum and a minimum of 7 years' experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit and/or other relevant experience,OR11 years' higher education and/or working experience, including 7 years' experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience.Minimum of 3 years' supervisory experience and/or work leadership experience.Proven experience mentoring, coaching and training others.Experience leading project initiatives.Demonstrated ability in decision-making and communication skills.Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.Experience with spreadsheet, word processing, presentation and database software.Ability to analyze and understand financial data (ranging in scope from simple to highly complex), collateral documentation and other credit issues.In depth understanding of credit policies and guidelines.Ability to multi-task and prioritize, as well as to set and meet deadlines.In depth understanding of credit policies and guidelines.Education and Experience Preferred:MBA preferred.Strong leadership, decision making, and problem solving skills.LocationClanton, Alabama, United States of AmericaM&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.