Lead Credit Review Officer

Overview:

The Credit Review Team serves as the third line of defense relative to credit risk. The Lead Credit Review Officer actively partners with the Credit Review Manager to facilitate the planning, scoping, fieldwork, and reporting stages of Portfolio Credit Reviews.  In addition, the Lead Credit Review Officer is responsible for the day-to-day activities of an assigned working group, overseeing workflow, maintaining timely progress toward deadlines, and reviewing linesheets for accuracy, quality, completeness and consistency of risk rating analysis.  The Lead Credit Review Officer provides guidance and mentoring to the broader team, while coordinating with the Credit Review Manager to ensure proper evaluation of credit quality, identification of risk issues, and overall execution of the Credit Review plan.

Primary Responsibilities:

• With guidance from the Credit Review Manager, lead standard and targeted portfolio reviews as required. Independently complete reviews of assigned loans/portfolios to achieve appropriate loan coverage in accordance with established procedures and timelines set by the Department’s Business Plan.
• Independently review and validate the accuracy of risk ratings and analysis for loans reviewed.
• Ensure underwriting and credit analyses are sound and appropriately justify and/or mitigate credit risk.
• Analyze and understand financial data, collateral documentation and other credit issues. This process includes analyzing financial statements and collateral documentation to determine the borrower’s cash flow and ability to repay debt and evaluating the quality and collectability of collateral.
• Provide guidance and assistance to other Credit Review Officers on larger, more complex loan relationships.
• Communicate regularly with the Credit Unit regarding loans reviewed.
• Prepare, or assist in preparing, written reports and escalate material findings to the Credit Review Manager.
• Assist with, or act as lead, in special projects as assigned and perform additional duties and responsibilities as required.
• Participate and/or lead targeted bank examination components, as required.
• Understand and adhere to the Company’s risk and regulatory standards, policies and procedures in accordance with the Company’s Risk Appetite.  Identify risk-related issues needing escalation to management.
• Maintain M&T internal standards, including timely implementation of internal and external recommendations together with any issues raised by external regulators as applicable.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Scope of Responsibilities:

As part of the third line of defense, the Lead Credit Review Officer independently performs assessments and monitoring of credit risk. The Lead Credit Review Officer has a strong understanding of credit policies and procedures, as well as large and more complex loan exposures. In addition, the Lead Credit Review Officer provides direct assistance/support to the Credit Review Manager.

Supervisory/ Managerial Responsibilities:

Act as a subject matter expert to provide coaching and mentoring to the staff.

May act as a backup to the Credit Review Manager and may lead team meetings, as required.

May have some supervisory responsibilities to include providing feedback on Review Officers’ work product and process improvement initiatives.

Education and Experience Required:

Bachelor’s degree in a business related curriculum and a minimum of 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit and/or other relevant experience,

OR

9 years’ higher education and/or working experience, including 5 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience.

Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.

Ability to communicate effectively both in writing and verbally.

Experience with spreadsheet, presentation and database software.

Ability to multi-task and prioritize to complete work within established timeframes.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $115,703.73 - $192,839.55 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.

LocationClanton, Alabama, United States of America Apply