Senior Credit Quality Assurance Analyst (Hybrid - See Job Description for Listed Locations)

Job Description * Work Arrangement/Location:This is a hybrid position requiring in-office work three days a week and will be based at M&T Plaza, Buffalo, NY, Long Island, NY or NYC, NY. Overview:This position operates in the 2nd line of defense and is embedded in the Credit Risk Department which is part of the Risk Division. Acting primarily as an oversite of the 1st LOD Continuous Monitoring activities. The primary responsibility is to analyze and monitor the credit quality and loan exposure for assigned commercial loan portfolio with a focus on problem credits.Additionally monitor/oversee the credit quality of higher risk transactions Ensure that appropriate recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy follow established 1st line processes. Escalate credit problems and make appropriate recommendations for action to management. PrimaryResponsibilities: Independently review and evaluate accuracy of individual risk ratings on assigned problem loan portfolios from a 2nd line perspective Communicate regularly with business line management and/or relationship managers, Portfolio Managers, Co’s, SCO’s, Special Assets, etc.regarding high risk and/or problem loans in their portfolio with emphasis on delinquencies, overdrafts, identification of criticized loans, potential non-accruals, loss exposure and/or charge-offs. Assist in developing near term forecasts for movements into and out of non-accrual status and potential charge-offs and recoveries. Participate in and/or observe the quarterly problem loan meetings and confirm processes are completed completely and accurately. Collaborate with Credit Accounting team to confirm impairment reserves for the problem portfolios.Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required. Assist the Department Manager and Team Leaders to develop and execute strategies to provide better insight into portfolio risk. Prepare written documents and escalate material findings to the Department Manager and/or Team Leaders on an ongoing basis. Assist with targeted Bank Examinations as required. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.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. Scope ofResponsibilities: Strong interpersonal skills necessary for business partner relationships within and outside the organization. Provides appropriate documentation and support when assessing the commercial problem loan portfolio. Escalate credit problems and make recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted.Supervisory/ManagerialResponsibilities: Possesses expert credit knowledge and will actively coach/mentor junior staff. Provide direct assistance/support to the Department Manager and/or Team Leaders which could include assuming Team Leader responsibilities on occasion. Act as backup to the Team’s Manager. Work with CRM Program Director in Developing and delivering 2LOD training as well as ongoing credit related training. May have some supervisory responsibilities. Education and Experience Required: Minimum seven (7) 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, 8years’ experience required. Education and Experience Preferred: bolthires 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. MBA preferred. Physical Requirements: Not applicable M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve.M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial bolthires, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers.We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.View M&T’s Human Capital Report to learn more. Ready to ? today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [email protected] for assistance. 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. Career Site Privacy Notice Apply tot his job