Commercial Portfolio Manager I
Company: M&T Bank
Posted on: May 15, 2022
Overview: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
Commercial Loan Portfolio.Primary Responsibilities:
- Liaison between Commercial Banking Relationship Managers and
the Credit Division (Loan Analysis or Credit Shared Services) 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.
- 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
- 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
- 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
- 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: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.Impact extends to Bank's
long-term operations, revenues and profitability.Supervisory/
Managerial Responsibilities:Not Applicable.Education and Experience
Required:Bachelor's degree in Accounting/Finance or related
discipline with a minimum of 2 years Accounting, Finance, or Credit
professional work experienceor in lieu of a degree,a combined
minimum of 6 years higher education and/or relevant work experience
to include a minimum of 2 years Accounting, Finance, or Credit
professional work experience.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.Education and Experience Preferred:Commercial
lending experience.Solid knowledge of personal computers.Thorough
knowledge of various software programs Word, Excel and other
departmental software.LocationRochester, New York, United States of
Keywords: M&T Bank, Rochester , Commercial Portfolio Manager I, Accounting, Auditing , Rochester, New York
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