Commercial Credit Quality Monitoring Officer

Overview

As part of the first line of defense, the Commercial Credit Quality Monitoring Officer independently performs assessments and monitoring of credit risk, leveraging a strong understanding of credit policies, risk rating guidance, and procedures.

• Perform quality reviews on individual loans and targeted portfolios.
• Independently complete reviews, provide feedback according to operational procedures and timelines.
• Review and validate the accuracy of individual risk ratings, completeness of the credit file, and adherence to policies.
• Ensure underwriting and credit analyses are sound and appropriately justify or mitigate credit risk.
• Analyze financial data, collateral documentation, and other credit monitoring functions to assess borrower cash flow and repayment ability.
• Prepare written documentation and reports; elevate material findings to the Commercial Credit Quality Monitoring Manager.
• Assist with special projects and perform other related duties as assigned.
• Maintain adherence to the Company’s risk and regulatory standards, policies, and controls.
• Identify risk-related issues and coordinate escalation to management.
• Maintain internal control standards, including timely implementation of audit points and regulator issues.

• Bachelor’s degree in Accounting, Finance, Economics, or a related field and a minimum of 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis, or related financial analysis.
• If lacking a degree, a combined minimum of 6 years of higher education and work experience, including at least 2 years’ experience in commercial credit, public accounting, financial statement preparation/analysis, or related financial analysis.
• Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.
• Proficient in spreadsheet, word processing, presentation, and database software.
• Strong written and verbal communication skills; ability to multi-task and prioritize to meet deadlines.

• Experience with Capital IQ, Fact Set, and Bloomberg.

Annual salary range: $62,200.00 - $ (USD).

Location:

Buffalo, New York, United States.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information, or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug‑free workplace.