Commercial Credit Portfolio Manager

M&T Bank Corporation; Harrisburg (Dauphin County); Hybrid; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Commercial Credit Portfolio Manager to oversee and assess the credit risks of complex commercial loan portfolios. This hybrid role involves detailed financial analysis, collaboration with relationship managers, and ensuring compliance with credit policies. You will play a vital role in minimizing losses and promoting a diverse environment. If you have a strong background in credit risk assessment and financial analysis, this opportunity offers a chance to make a significant impact in the financial sector while enjoying competitive benefits.

Benefits

Medical benefits

Retirement plan

Paid volunteer time

Qualifications

• Bachelor's degree in relevant field with 2 years' experience in commercial credit.
• Strong analytical and communication skills are essential.

Responsibilities

• Manage ongoing credit risk through continuous monitoring activities.
• Review financial information and analyze credit performance of portfolios.
• Ensure compliance with credit policies and maintain accurate risk ratings.

Skills

Financial Statement Analysis

Credit Risk Assessment

Analytical Skills

Communication Skills

Education

Bachelor's degree in Accounting, Finance, or Economics

6 years of higher education and work experience

Job description

Commercial Credit Portfolio Manager page is loaded

Commercial Credit Portfolio Manager

Apply remote type Hybrid Position locations Harrisburg, PA time type Full time posted on Posted 4 Days Ago job requisition id R73045

OVERVIEW

Monitor and assess the credit risks of complex commercial loan portfolios and higher dollar loans (typically $10MM and greater) through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

RESPONSIBILITIES

1. Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.
2. Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.
3. Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions.
4. Partner proactively with relationship managers and underwriting team in order to maintain timely and accurate risk ratings for a portfolio of commercial credits.
5. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
6. Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.
7. Responsible for the timeliness of the monitoring activities and ensure credit policy compliance.
8. Present analysis or address questions during credit discussions or presentations.
9. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
10. Promote an environment that supports diversity and reflects the M&T Bank brand.
11. Maintain M&T internal control standards, including timely implementation of internal and external audit points.
12. Complete other related duties as assigned.

SCOPE

The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank’s commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements.

The Commercial Credit Monitoring Analyst interacts with Commercial Banking Relationship Managers throughout the bank’s footprint, as well as other internal personnel, on typical credit monitoring of $10-30MM.

Works independently under limited supervision.

Potential for client interaction.

EDUCATION AND EXPERIENCE REQUIRED

Bachelors’ degree in Accounting, Finance, Economics or related field with 2 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis or in lieu of degree a combined minimum of 6 years’ higher education and work experience to include 2 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.

Strong verbal and written communication skills.

Strong analytical ability.

Location

Harrisburg, Pennsylvania, United States of America

About Us

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the diverse communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year.

Ready to join our team? Submit your application today!

If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [e-mail] for assistance.

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.