Commercial Credit Senior Portfolio Manager I - CRE
Company: Manufacturers and Traders Trust Co
Location: New York
Posted on: June 25, 2022
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
Manage the ongoing credit risk of existing loan portfolios through
continuous credit monitoring (CCM) activities enabling the timely
identification of emerging credit risk so that appropriate actions
can be taken to manage the risk, minimize losses and assign an
accurate risk rating. A CCM program includes but is not limited to
annual reviews (and PLRs and Guarantor Assessments), interim update
memos, a covenant monitoring program, problem loan management,
early warning indicators, and other forms of credit
Review all pertinent credit and financial information, including
but not limited to financial statements, tax returns, due diligence
reports, credit bureaus, appraisals, internal credit information,
industry research and peer data. Determine the need for more
thorough investigation or additional information.
Analyze financial information and related materials and complete
ongoing credit monitoring for the Bank's commercial transactions.
Risk assessment of customers is on an ongoing basis with a focus on
identify emerging risks or material changes in customers financial
position, including evaluation of compliance with the loan
agreement. Analyses to include an independent credit quality
assessment for existing loans with well-supported risk rating
rationale, identification of credit risks and mitigants, industry
concerns, market trends, financial trends, and other pertinent
Liaison between Commercial Banking Relationship Managers and the
Underwriting Team 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 in order to maintain timely and accurate
risk ratings for a portfolio of commercial credits.
Spread financial statements and prepare financial models designed
to sensitize various conditions impacting the proposed transaction.
Prepare cash flow, collateral schedules, covenant sensitivity
calculations, financial models, and guarantor statement analysis as
Monitor credit performance of customer portfolios and escalate or
remediate, as appropriate.
Responsible for the timeliness of the monitoring activities and
ensure credit policy compliance by verifying adherence of
monitoring activities to the Commercial Credit Policy, and
evaluating any risk associated with non-compliance.
Present analysis or address questions during credit discussions or
May attend client 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 ongoing
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.
The Commercial Credit Portfolio Management Department is
responsible for the ongoing monitoring process for the Bank's
commercial loans to ensure timely and accurate credit risk ratings
and compliance with both credit policy and loan agreements.
This position interacts with Commercial Banking Relationship
Managers throughout the bank's footprint, as well as other internal
personnel, on credit monitoring of $30MM+ typically. Works under
Potential for client interaction.
Works independently with limited supervision
Input into training of junior/newly hired Portfolio Managers
Bachelor's degree in Accounting/Finance or related discipline
5 years' experience in commercial credit, public accounting,
financial statement preparation/analysis or other financial
Excellent verbal and written communication skills.
Excellent analytical ability
New York, New York, United States of America
Keywords: Manufacturers and Traders Trust Co, New York , Commercial Credit Senior Portfolio Manager I - CRE, Accounting, Auditing , New York, New York
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