Skip to content
Commercial Credit Risk Lead
| Company | M&T Bank |
|---|
| Location | Buffalo, NY, USA |
|---|
| Salary | $85104.04 – $141840.07 |
|---|
| Type | Full-Time |
|---|
| Degrees | Bachelor’s |
|---|
| Experience Level | Senior |
|---|
Requirements
- Bachelor’s Degree in Business or Math or related business, or in lieu of degree a minimum four years experience in credit risk, finance or business analytic position
- 5 years’ relevant work experience
- 5 years’ experience preparing written documentation and/or papers / publications
Responsibilities
- Partner with Commercial Planning, Business Line leadership, other areas within Credit and the 2nd Line to discuss current portfolio tracking and business observations
- Monitor performance of loan portfolio credit quality; communicate issues to management; quantify business ramifications; investigate any incident that may result in losses and compile findings for management review
- Conduct portfolio segmentation analysis using origination, financial, demographic, behavioral, market and economic data as appropriate
- Conduct forward-looking analytics, including leveraging modeling and/or statistical tools, to identify pockets of portfolio risk
- Leverage market intelligence, including macroeconomic data, capital and equity market trends and other industry information to supplement portfolio analysis and to identify market trends that could be detrimental to the portfolio
- Develop knowledge around various Bank regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees.
- Participate in cross-functional teams as SME for enterprise projects such as CCAR, Enterprise Data Warehouse, systems implementation, etc.
- Partner with Credit Data Analytics group and Treasury modeling team to formulate practical database problem solving approaches to business challenges
- Obtain data from disparate sources, link information, check data integrity and perform exploratory analysis. Develop programs to efficiently explore hypothetical questions, including sensitivity analytics, portfolio stress-testing and capital adequacy.
- Develop and lead special projects as requested by management
- Perform independent research on areas of the portfolio that may exhibit a heightened risk profile, formulate results into a written report and present findings to management and risk committees
- 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.
Preferred Qualifications
