Credit Team Leader I – Commercial Real Estate

Rochester, New York
M&T Bank

Location: Any M&T Bank Commercial location in region.

Overview:

Responsible for the quality and efficiency of the underwriting of commercial or CRE loan analyses for the Credit Loan Analysis (LA) team. Interacts daily with the Credit Officers and Senior Credit Officers in Loan Analysis and Relationship Managers regarding the underwriting of commercial loan requests that are processed by the group.

Primary Responsibilities:

• Responsible for the day to day activities of a team of Credit Analysts to include the quality and efficiency of the underwriting of commercial loan analyses.
• Serve as the point person for work requests, prioritizes and assigns work, and monitors work flow.
• Maintain the quality of analyses produced, based on a program of prescreening credits, mentoring the analysts and reviews final work prior to submission to the credit officer.
• Support various segments within LA in terms of credit analysis functions.
• Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
• Oversee the training of new credit analysts as required.
• Provides ongoing training to the department.
• Develop training materials and various forms.
• Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
• Coordinate updates to the divisional processes and policies, writes procedures and develops analysis templates as needed.
• Resolve any policy, procedure, accounting or credit issues that occur.
• Participate in various Departmental projects associated with the Credit Function.
• Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
• Exercise the usual authority as manager concerning staffing, performance appraisals, salary recommendations, promotions, terminations, performance management, and training, coaching and mentoring.
• 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.

Supervisory/ Managerial Responsibilities:

Supervises and mentors a team (up to 7), comprised of credit analysts, senior credit analysts, and administrative staff.

Education and Experience Required:

Bachelor’s degree in Accounting, Finance, or related discipline and minimum of 5 years’ commercial credit experience or relevant analytical with a strong knowledge of accounting principles including 2 years coaching/training/mentoring or work leadership experience OR in lieu of degree a combined minimum of 9 years’ higher education and/or work experience including a minimum of 5 years commercial credit experience with strong knowledge of accounting principles including 2 years’ coaching/training/mentoring or work leadership experience.

Proficiency with personal computers and relevant software packages.

Education and Experience Preferred:

Strong leadership skills and ability to motivate others.

Commitment to meeting the needs of both the internal and external customers of the department.

Excellent communication (verbal and written) and interpersonal skills. Ability to maximize efficiency and maintain the consistent quality of the work produced by the credit analysis team.

Exhibit a strong work ethic and consistently meet deadlines.

Extensive knowledge of Bank’s credit policies and procedures.

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Location

Rochester, New York, United States of America