Commercial Credit Senior Portfolio Manager I, Open to location

M&T Bank Corporation; Baltimore (MD); Hybrid; USD 93,000 - 157,000; Full time

Job summary

A leading bank is seeking a Commercial Credit Senior Portfolio Manager I to monitor and assess credit risks of complex commercial loan portfolios. This role involves detailed financial analysis, risk management, and collaboration with relationship managers. The ideal candidate will have a strong background in commercial credit and excellent communication skills. Join a dynamic team committed to maintaining high standards of compliance and operational risk controls.

Qualifications

• 5 years of experience in commercial credit or related financial analysis.
• 9 years of higher education and work experience including 5 years in commercial credit.

Responsibilities

• Manage ongoing credit risk of existing loan portfolios.
• Analyze financial information for ongoing credit monitoring.
• Liaise between Commercial Banking Relationship Managers and Underwriting Team.

Skills

Communication

Analytical Abilities

Education

Bachelor’s degree in Accounting

Bachelor’s degree in Finance

Bachelor’s degree in Economics

Job description

Commercial Credit Senior Portfolio Manager I, Open to location

Position Details

Apply: Remote type Hybrid | Location: Baltimore, MD | Full time | Posted 2 Days Ago | Requisition ID: R76378

Location Preference

This position may be located within the M&T Bank Commercial footprint. Preference: MD, DC, DE, VA or PA

OVERVIEW

Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service.

RESPONSIBILITIES

• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring activities, enabling the timely identification of emerging credit risks and appropriate actions to manage risk, minimize losses, and assign accurate risk ratings.
• Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, industry research, and peer data to determine the need for further investigation or additional information.
• Analyze financial information and related materials for ongoing credit monitoring, focusing on emerging risks or material changes in the customer’s financial position, including compliance with loan agreements.
• Liaise between Commercial Banking Relationship Managers and the Underwriting Team to facilitate credit needs, document and track relevant information, and ensure timely credit approvals and maintenance.
• Spread financial statements and prepare financial models to analyze various conditions impacting transactions, including cash flow, collateral schedules, covenant sensitivity, and guarantor analysis.
• Monitor credit performance of portfolios, escalate or remediate issues as appropriate, and ensure credit policy compliance.
• Present analysis and address questions during credit discussions or presentations.
• Participate in client calls with RMs to understand client/business for reviews, renewals, and monitoring.
• Adhere to compliance and operational risk controls per company and regulatory standards.
• Promote an environment of belonging and reflect the M&T Bank brand.
• Maintain internal controls, address audit points, and respond to regulatory issues.
• Perform other duties as assigned.

SCOPE

The department manages the ongoing monitoring of commercial loans to ensure accurate risk ratings and policy compliance, typically interacting with portfolios of $30MM+.

This role involves working independently with limited supervision, with potential client interaction.

MANAGEMENT RESPONSIBILITIES

Contribute to training junior or new Portfolio Managers.

REQUIRED QUALIFICATIONS

Bachelor’s degree in Accounting, Finance, Economics, or related field with 5 years of experience in commercial credit or related financial analysis; or a minimum of 9 years of higher education and work experience including 5 years in commercial credit or financial analysis.

Skills

Excellent verbal and written communication; strong analytical abilities.

Compensation

Pay range: $93,614.36 - $156,023.93 (USD). Compensation is based on experience, skills, and knowledge.

Location

Baltimore, Maryland, United States