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    Commercial Credit Risk Team Lead - Buffalo, United States - M&T Bank

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    Description

    Overview

    Responsible for in-depth monitoring, evaluation, and risk identification on the Bank's Commercial Loan Probability of Default and Loss Given Default risk ratings, focusing on high complexity data analysis and interpretation, preparation of trend analysis, Key Risk Indicators (KRIs), exposure limits and various other forward-looking risk identification reports.

    Develop advanced analytical tools and frameworks, including those that are statistical and/or modeling based, to allow for the monitoring of movements in the portfolio and identify emerging risks.

    Interpret results and present findings to make or influence strategic decisions within the department or division.

    Leverage risk experience, business knowledge and understanding of link between bank performance and macroeconomic environment to plan initiatives to accomplish enterprise-wide goals around the Commercial Portfolio.

    Directly oversee a team of analysts to support this work.

    Primary Responsibilities

    • Work with 1st and 2nd lines of defense partners to author frameworks and policies around wholesale credit risk ratings.
    • Display understanding of M&T Bank Frameworks and Policies around credit risk ratings and their application in the organization.
    • Analyze credit risk rating methodologies and scorecards to ensure that Bank and regulatory policies are being followed, and that they align with credit risks for the Bank's portfolio
    • Manage one or more Analysts in the review of the Probability of Default and Loss Given Default Masterscales, and the use of scorecards to assign credit risk ratings. Recommend improvements to Credit Risk Management.
    • Partner with various areas within the bank to actively engage in discussions on current portfolio tracking and business observations and devise strategies to monitor and address potential portfolio risks
    • 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 expertise 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, ACL, 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
    • Train, develop, mentor, and motivate team members to enable them to perform at a high level
    • Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
    • 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.

    Education and Experience Required:


    Bachelor's Degree in Finance or Accounting and a minimum of 7 years of Credit Administration, credit risk, finance, or business analytic experience.

    Knowledge of Microsoft Excel, Access, SQL.
    Experience with Bank Accounting Systems.
    Knowledge of Banking/Lending Regulations.
    Comfort interacting with all levels of management and external regulators.
    Excellent written and verbal communication skills.
    7 years' experience preparing written documentation and/or papers / publications
    2 years' management/supervisory experience.
    M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $100, $167,686.57 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
    M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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