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Portfolio Manager I, Middle Market - 3DGXI in Annapolis, MD at M&T Bank

Date Posted: 2/9/2018

Job Snapshot

Job Description

Job Title: Portfolio Manager I, Middle Market

Location:
Annapolis or Columbia, MD
 
Function:
Provide direct support to Relationship Manager, Group Manager and Senior Credit Officer with respect to portfolio management of customer relationships, with an emphasis on compliance, continuous monitoring and assisting with documentation of credit needs for new and existing customers within the Commercial Loan Portfolio.
 
Essential Responsibilities:
  • Liaison between Commercial Banking Relationship Managers and the Credit Division (Loan Analysis or Credit Shared Services) for facilitating credit needs of customers, whether through new requests, modifications or annual reviews / renewals. Includes documenting and tracking of relevant information, reports and memos to ensure necessary credit approvals are obtained, documented and adhered to from fulfillment through closing and maintenance.
  • Attend client / prospect calls with RMs in order to gain a thorough understanding of the client / prospect and their business in order to effectively assist in annual reviews, renewals and prospect conversions.
  • Support underwriting efforts by completing due diligence on prospects or customers as may be required and coordinate such work with Credit Division and Relationship Managers.
  • Analyze financial information under direction of Relationship Manager or Group Manager.
  • Assists in preparing cash flow and collateral schedules, covenant sensitivity calculations, financial models and guarantor statement analysis.
  • Monitor credit performance of customer portfolios and alert personnel to changes that may require action to ensure risk mitigation in order to minimize potential losses.
  • Support Relationship Managers in related portfolio management activities, whether related to credit, depository or other banking services.
  • Perform other related duties and special projects as requested by management, which could include managing a limited number of customer relationships, performing the functions of a Relationship Manager in oversight of these customers, whether in identifying and providing product solutions, or in ongoing servicing of the account relationships.
  • 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.
Minimum Qualifications Required:
  • Bachelor's degree in Accounting/Finance (or related discipline) with a minimum of 2 years Accounting, Finance, or Credit professional work experience or in lieu of a degree, a combined minimum of 6 years higher education and/or relevant work experience to include a minimum of 2 years Accounting, Finance, or Credit professional work experience.
  • Thorough knowledge of various software programs Word, Excel and other departmental software.
  • Excellent analytical capability.
Ideal Qualifications Preferred:
  • Commercial lending experience.
  • Solid knowledge of personal computers.
  • Knowledge of credit principles.
  • Highly motivated, detail-oriented self-starter.
  • Excellent communication and organization skills.
  • Ability to interact with external and internal personnel using tact and diplomacy.
  • Ability to work under critical time constraints.
  • We encourage candidates with relevant military experience to apply.
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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.