Career Search

Sr Credit Quality Analyst - 3DHAD in Buffalo, NY at M&T Bank

Date Posted: 7/6/2018

Job Snapshot

Job Description

Sr Credit Quality Analyst

Credit Quality Assurance

Credit Division

M&T Center

Buffalo, NY



Analyze and monitor the credit quality and loan exposure for assigned commercial problem loan portfolio with a focus on the larger more complex problem loans.
Make appropriate recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy.

Independently review and evaluate accuracy of individual risk ratings on problem loans.
Communicate regularly with relationship managers regarding problem loans in their portfolio with emphasis on delinquencies, overdrafts, identification of criticized loans, potential non-accruals, loss exposure and/or charge-offs.
Actively participate in and/or facilitate the quarterly problem loan meetings and perform all necessary pre and post reporting requirements.
Complete analysis for impairment reserves for both legacy and acquired portfolios.
Provide guidance and assistance to other analysts on the larger more complex problem relationships.
Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required.
Assist with targeted Bank Examinations as required.
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.



Provides appropriate documentation and support when assessing the commercial problem loan portfolio.
Alerts management of credit problems so that action can be taken to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted.



Actively coach/mentor junior staff.
Provide direct assistance/support to the Team Leaders which could include assuming Team Leader responsibilities on occasion.
Assist in staff training.
May have some supervisory responsibilities.



Minimum five (5) years previous experience in commercial credit, lending, finance, accounting and/or audit.
Bachelor's degree in a business related curriculum, or in lieu of degree, nine years’ experience required.



Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc.
Communicate effectively both in writing and verbally.
Ability to multi-task and prioritize to complete work within established timeframes. 
Ability to analyze and understand financial data, collateral documentation and other credit issues.
Ability to work independently with minimal oversight from management. 
Strong 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.