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Dealer Commercial Services Portfolio Manager I - 3DIW7 in Buffalo, NY at M&T Bank

Date Posted: 8/11/2018

Job Snapshot

Job Description

THE OPPORTUNITY:
Responsible for the integrity of an assigned Auto Floor Plan credit portfolio. Work closely with Relationship Managers and Group Managers to monitor the financial and credit performance of an assigned portfolio of clients, as well as structure and price credits in order to maximize the banks return while minimizing risk.
POSITION RESPONSIBILITIES:
Monitor the financial and credit performance of clients in an assigned portfolio through:
Tracking and review of monthly dealer financial statements and collateral position
Daily review audit recaps and SVR (Sold Vehicle Report)
Daily review of the Credit Summary
Daily review of Past Due Commercial Loans Report
Review and resolution of the month end Interest Report and Curtailment Report
Review and resolution of the Left Over report for New Vehicles
Review of year-end accountant prepared statements and/or tax returns
Work with Relationship Managers and Group Managers and Senior Credit Officer to:
Prepare temporary increase requests as needed
Prepare departmental requests for interim approvals and new deals
Completion of scorecards for departmental requests
Coordinate, work as liaison with Loan Analysis and review annual renewals
Adjust risk ratings as necessary
Adjust collateral structure as necessary
Understand product pricing and cost structure, as well as understand and manage product risk.
Works closely with Relationship Managers and Group Managers to structure and price credits in order to maximize the banks return while minimizing risk.
May exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Promote an environment that supports diversity 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.

NATURE AND SCOPE:
Results and/or actions impact the Bank’s long-term operations, revenues or profitability.
The position will primarily deal with complex credits of larger size and scope, including credits approved through Manager’s, Senior, and Executive Loan Committees.
MANAGERIAL/SUPERVISORY RESPONSIBILITY:
Provide leadership and coaching to junior staff.
MINIMUM QUALIFICATIONS REQUIRED:

Bachelor's Degree and minimum 4 years Accounting, Credit Analysis, Commercial Lending or Auto Floor Plan experience or in lieu of a degree, a combined minimum of 8 years higher education and work experience to include a minimum of 4 years Accounting, Credit Analysis, Commercial Lending or Auto Floor Plan experience.
IDEAL QUALIFICATIONS PREFERRED:
Thorough knowledge of bank/PC software programs utilized by the department.
Must possess financial statement analysis skills.
Excellent verbal and written communication skills.
Ability to interact professionally with all levels of personnel.
Must demonstrate principled leadership and sound business ethics.
Self-motivated, well-organized individual. Ability to work under critical time constraints.
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.