CommercialCreditRegionalSegmentDirector

overseeing the credit risk management

underwriting strategies

and portfolio management for a specific segment

developing credit policies/guidelines/procedures

managing a team of credit professionals

ensuring the quality and performance of the loan portfolio align with the bank's risk appetite and regulatory requirements

Lead team that partners proactively with the sales and monitoring teams and is responsible for the entire credit process

from deal screen through approval

including structuring the transaction and negotiating legal documentation

Ensures that analyses provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants

and other pertinent credit issues

Responsible for the quality

efficiency and timeliness of the underwriting of commercial loans for multiple underwriting teams

including deal structuring

negotiating of and approval of terms sheet / legal documents and loan approvals according to credit policy and Bank procedures

and leadership with regard to more complex credit relationships

as well as fostering partnership between Commercial Credit

credit risk management

and relationship managers

Meet with bank clients and prospects as appropriate

Foster a collaborative team culture and provide direction on training and employee development initiatives

Proactively manages the deployment and utilization of Commercial Credit resources across the teams

Prioritizes and monitors workflow

Responsible for adhering to and advising teams on credit policy

Lead team that partners proactively with the sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position

including evaluation of compliance with the loan agreement

Ensures that analyses provide an independent credit quality assessment for existing loans of the Bank's largest commercial clients identifying credit risks and mitigants

and other pertinent credit issues

Oversees and manages the continuous commercial credit monitoring (CCM) activities of multiple commercial monitoring teams enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk

minimize losses and assign an accurate risk rating

Responsible for the quality

timeliness and efficiency of the monitoring activity for multiple teams

Exercise usual authority of a manager concerning staffing

performance appraisals

salary recommendations

performance management and terminations

Understand and adhere to the Company’s risk and regulatory standards

policies and controls in accordance with the Company’s Risk Appetite

maintain and enhance internal controls to mitigate risk on an ongoing basis

Identify risk-related issues needing escalation to management

Promote an environment that supports belonging 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

credit delivery of the Bank's commercial clients

Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan

ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads

Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers

within Bank lending parameters

Position interacts on an ongoing basis with senior management both in First and Second lines of defense

and retains a balanced team of credit experience to ensure bench strength within the group