Lead RL

This position requires a candidate to work 4 days a week in the Timonium Center office.

Part of a team of professionals assigned to portfolio and risk management, service and sales support activities associated with the Business Banking Sales Division. Serve as a strong leader to both operational and sales partners, facilitating seamless communication and collaboration between teams for enhanced synergy and efficiency. Achieve operational expertise and serve as a subject matter expert for M&T’s policies and procedures.

Provide coaching and mentorship to team members, enhancing their skillsets.

• Oversees development and enhancement of team expertise in loan accounting systems, policies, procedures, and systems/applications as well as regulatory guidelines, ensuring comprehensive issue resolution.
• Provides strategic oversight of compliance with M&T Credit Policy, business financial documents, business banking loans, and additional legal documentation to ensure robust asset management.
• Leads communication among credit underwriting, external attorneys, internal legal, document preparation departments, and others to facilitate timely loan closing and proactively resolve complex issues.
• Mentors and coaches team members, fostering collaboration with internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes.
• Drives escalation of significant issues as appropriate.
• Partners with sales leadership to evaluate and process exception requests, guiding deviations from standard business practices.
• Leads regular one‑on‑one meetings with Relationship Manager(s) to prioritize and strategize ongoing portfolio management activities and new loan requests, while facilitating cross‑business line cluster meetings.
• Plays a key role in the client‑facing team by overseeing transaction requests, documentation collection, fraud support, error resolution, and managing escalations.
• Conducts thorough research on client and bank issues, proposing comprehensive solutions and evaluating potential trade‑offs while identifying risks and presenting effective mitigants.
• Monitors and manages the portfolio’s outstanding assets, such as maturing loans, exception pricing, annual reviews, and covenant compliance, ensuring proactive oversight.
• Delegates tasks to ensure uninterrupted workflow and enhances team efficiency.
• Provides coaching and mentorship to team members, enhancing their skills in risk identification and mitigation alongside the relationship team, fostering a collaborative environment.
• Assumes additional responsibilities including leading training and mentoring of new team members, identifying opportunities for process improvements, and driving projects aimed at enhancing efficiency.
• Ensures comprehensive understanding and adherence to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite.
• Proactively identifies and escalates risk‑related issues to senior management.
• Maintains and strengthens M&T internal control standards by overseeing timely implementation of internal and external audit points together with any issues raised by external regulators and ensuring compliance.
• Promotes an environment that supports belonging and reflects the M&T Bank brand.
• Undertakes additional related duties as assigned, providing strategic oversight and guidance as necessary.

Bachelor’s degree. In lieu of a bachelor’s degree, a minimum of three years of banking/financial industry experience.

Required skills and experience:

• Ability to work as a team member with tact and diplomacy.
• Thrives in a fast‑paced environment, excels in time‑sensitive situations, and can deliver results with tight deadlines for various assignments.
• Proficient personal computer skills, including AdobeDC, Salesforce, Microsoft Word, and Excel.
• Proficient in banking systems, policies, procedures, regulation, and broad knowledge of state and courthouse filings.
• Experienced in lending operations to include business banking loan approvals, financial statements, and loan documentation.