Business Banking Credit Team Lead - M&T Footprint

M&T Bank; City of Rochester (NY); On-site; USD 90,000 - 149,000; Full time

Job summary

M&T Bank in Rochester, NY is seeking a Senior Underwriter/Portfolio Manager to oversee the day-to-day underwriting operations for Business Banking, coordinating with Credit teams and sales partners across a footprint.

You will train staff, develop materials, monitor productivity, and ensure compliance with policies while maintaining strong customer focus and accurate financial analysis.

Qualifications

• Bachelor's degree in Accounting, Finance, or related discipline with 5+ years of commercial credit experience.
• 2 years coaching, training, or work leadership experience.
• Alternative: 9 years combined higher education and/or work experience with 5 years commercial credit.
• Proficiency with personal computers and relevant software packages.

Responsibilities

• Oversee day-to-day underwriting activities for a team of underwriters and portfolio managers to ensure quality and efficiency.
• Serve as the point person for work requests; prioritize, assign, and monitor workflow.
• Support various segments in credit functions and manage the sales override process.
• Oversee training of new underwriters and portfolio managers; provide ongoing department training.
• Develop training materials and forms; maintain logs and monthly productivity reports.
• Coordinate updates to divisional processes and policies, write procedures and analysis templates.
• Resolve policy, procedure, accounting or credit issues; participate in departmental projects.
• Maintain knowledge of accounting pronouncements and their effect on bank credits.
• Exercise staffing, performance appraisals, salary recommendations, promotions, hiring, terminations, training, coaching and mentoring.
• Adhere to compliance/operational risk controls and promote the M&T Bank brand.

Skills

Leadership

Communication

Credit analysis

Coaching

Mentoring

Education

Bachelor's degree in Accounting/Finance or related

9 years combined higher ed/work exp with 5 years credit

Tools

Personal computers & software

Job description

This job requires 4 days a week in an M&T corporate office.

Locations across the M&T footprint are open.

Overview

Responsible for the quality and efficiency of the underwriting for Business Banking. Interacts on a daily basis with the Credit teams and sales partners regarding the underwriting of Business Banking loan requests.

Primary Responsibilities

• Responsible for the day to day activities of a team of Underwriters and/0r Portfolio Managers to include the quality and efficiency of the underwriting
• Serve as the point person for work requests, prioritizes and assigns work, and monitors work flow..
• Support various segments in terms of credit functions.
• Manage/Support the sales override process
• Oversee the training of new underwriters and/or portfolio manager 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, hiring, 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 belonging 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.

Supervises and mentors a team (up to 7), comprised of credit staff, portfolio managers, 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

Proficiency with personal computers and relevant software packages.

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.

Prior experience in a sales role

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Rochester, New York, United States of America