Commercial Credit Lead - Engineering & Construction

## Commercial Credit Lead - Engineering & Construction Apply remote type:
Hybrid Position locations:
Wilkes Barre, PAtime type:
Full time posted on:
Posted Todayjob requisition :
R85553
** Hybrid:
** Four days a week in the office
*
* Location:

** This role is open to any location within the M&T Bank commercial footprint.
** Overview
* * The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This individual contributor senior, client‐facing position involves analyzing financial statements, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements.

This role specializes in Engineering & Construction (E&C) relationships, which require underwriting expertise related to contractor cash flow, working capital dynamics, backlog and work‐in‐process (WIP), bonding and surety considerations, and complex legal structures.

The Commercial Credit Lead manages a transaction team and collaborates closely with relationship managers (RM), risk officers, and other stakeholders to facilitate sound credit decisions and maintain portfolio quality.
** Primary Responsibilities
*** Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.
* 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 surveillance.
* 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. For E&C borrowers, this review specifically includes WIP schedules, backlog reports, contract profitability, AR/AP aging, bonding capacity, and surety relationships.
* Analyze financial information and related materials and complete the credit analyses for the Bank’s commercial transactions. Written analyses to include an independent credit quality assessment with well‐supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
* Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case. For E&C relationships, evaluate sources of repayment with primary reliance on operating cash flow and working capital, and secondary reliance on hard collateral such as real estate or equipment, recognizing the limited distressed value of accounts receivable and retainage.
* As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
* Partner proactively with relationship managers, and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan 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. For E&C borrowers, perform multi‐year trend analysis emphasizing liquidity, leverage, cash flow volatility, project execution risk, and concentration risk.
* Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
* Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and…