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Credit Review Officer I - 3DIS4 in Buffalo, NY at M&T Bank

Date Posted: 6/4/2018

Job Snapshot

Job Description

BASIC FUNCTION:
The Credit Review Team serves as the second line of defense relative to credit risk. The Credit Review Officer I assists in the analysis and monitoring of credit quality and loan exposure for the Bank’s Commercial and Retail loan portfolios. With appropriate guidance, the Credit Review Officer I will draft recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy.
POSITION RESPONSIBILITIES:
With appropriate guidance or assistance, participate in the review of less complex loans as requested by department management. Develop understanding and adhere to established operational procedures for reviewing and validating the accuracy of individual risk ratings and/or Retail protocol for loans reviewed.
With training and guidance, learn how to ensure underwriting and credit analyses are sound and appropriately justify and/or mitigate credit risk. This process includes analyzing financial data and collateral documentation to determine the borrower’s cash flow and ability to repay debt and gauging the quality and collectability of collateral.
Provide appropriate documentation and support for reviewed loans.
Communicate, as needed, with relationship managers regarding loans reviewed.
Assist with special projects as assigned and perform additional duties and responsibilities as required.
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
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.
Promote an environment that supports diversity and reflects the M&T Bank brand.
Complete other related duties as assigned.
NATURE AND SCOPE:
As part of the second line of defense, the Credit Review Officer I assist in the assessment and monitoring of credit risk.
MINIMUM QUALIFICATIONS REQUIRED:
Bachelor’s degree in a business related curriculum and a minimum of 2 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit and/or other relevant experience, OR 6 years’ higher education and/or working experience, including 2 years’ experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience.
Experience with spreadsheet, word processing, presentation and database software.
Ability to communicate effectively both in writing and verbally.
Ability to multi-task and prioritize to complete work within established timeframes.
IDEAL QUALIFICATIONS PREFERRED:
Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
General understanding of credit policies and guidelines.
About M&T
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful,conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.