M&T Bank
Financial Services
CommercialCreditRiskLeadRiskRatingFramework
“Commercial Credit Risk Lead - Risk Rating Framework at M&T Bank. Skills: Commercial Credit Risk, Risk Rating Framework, PD and LGD. Monitor Commercial Loan portfolio. Evaluate Commercial Loan portfolio”
What You'll Achieve.
Accomplish enterprise-wide goals
Industry & Context.
Data analysis; Exploratory analysis; Problem solving
What They're Looking For.
Must Have
Bachelor's Degree in Finance or Accounting, 5 years Credit Administration experience, 5 years credit risk experience, 5 years finance experience, 5 years business analytic experience, Knowledge of Microsoft Word, Knowledge of Microsoft Excel, Knowledge of Microsoft PowerPoint, Knowledge of Microsoft Access, Experience with Bank Accounting Systems, Knowledge of Banking/Lending Regulations, Comfort interacting with management, Comfort interacting with external regulators, 5 years preparing written documentation, 5 years preparing papers/publications
Nice to Have
MBA preferred
What You'll Do.
Monitor Commercial Loan portfolio
Evaluate Commercial Loan portfolio
Interpret Commercial Loan portfolio data
Prepare trend analysis
Prepare exposure limits
Prepare risk identification reports
Develop tools for PD/LGD monitoring
Identify emerging risks
Make recommendations to management
Assist in planning initiatives
Apply M&T Bank Frameworks
Apply M&T Bank Policies
Analyze credit risk rating methodologies
Review PD Masterscales
Review LGD Masterscales
Review scorecard models
Provide training to staff
Participate in training to staff
Assist with creation of training materials
Conduct portfolio segmentation analysis
Obtain data from disparate sources
Perform exploratory analysis
Develop programs for analysis
Monitor loan portfolio credit performance
Communicate issues to management
Quantify business ramifications
Investigate incidents resulting in losses
Compile findings for management
Leverage industry information
Support analysis through trend comparison
Assist with governance of Risk Rating Policy
Update Risk Rating Policy
Provide leadership to junior staff
Provide mentorship to junior staff
Partner with Credit Data Analytic group
Formulate database problem solving approaches
Develop knowledge around Banking Regulatory requirements
Present portfolio risk summaries
Present dashboards to management
Present dashboards to governance committees
Lead special projects
Adhere to compliance controls
Adhere to operational risk controls
Maintain M&T internal control standards
Complete related duties as assigned
How You'll Work.
Team & Collaboration
First line of defense staff; Second line of defense staff; Credit Data Analytic group; Junior staff; Management; Governance committees
Communication Scope
Written communication; Verbal communication; Presentations
Process & Methodology
Special projects
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