Overview:Manage credit risk for assigned commercial portfolio. Drive data informed decisions and collaborate with credit and business line management to optimize decision making consistent with overall bank risk appetite. Acts as project leader on complex and highly visible projects.Primary Responsibilities:
Develop and implement framework for managing commercial credit risk in the company through sound analytical processes.
Develop and manage clear and relevant reporting and analysis to assess credit risk and support decisions relative to credit risk strategies (such as limits and concentration policies).
Provide reporting support and advice to business partners and executive management to assist with better-informed decisions relative to the commercial credit portfolio.
Research macro and industry trends, as well as company-specific information for the purposes of critically analyzing the commercial credit portfolio.
Provide direction and leadership within cross-functional teams, process improvement teams etc.
Collaborate with business partners on compliance and regulatory issues, Operational Risk Management and Credit Policy.
Participate in merger-related tasks including due diligence, analysis of business credit, pricing and product policies, operational process, loss forecasting, new report generation, troubleshooting, and cross-functional risk/opportunity summaries.
Exercise the usual managerial authority over staff to include staffing, employee development, performance management, salary recommendations, and terminations.
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.
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:Supervisory/ Managerial Responsibilities:Manage one to two Commercial Credit Risk Analysts.Education and Experience Required:Bachelor's degree and a minimum of 5 years' Banking, Risk Management, Finance or related experience, including 2 years' leadership/coaching/supervisory experienceor in lieu of a degree,a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years' Banking, Risk Management, Finance or related experience including 2 years' leadership/coaching/supervisory experience.LocationBerlin, Connecticut, United States of AmericaM&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.