Commercial Credit Quality Review Consultant

Part time, Fixed Term commercial credit quality review role. 

The Credit Quality Review Consultant analyzes and monitors credit quality and loan exposure for the Bank's Commercial loan portfolios. With appropriate guidance, they will make recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy.

Primary Responsibilities:
Participate in the review of larger, more complex loans as requested by department management. In accordance with established operational procedures, review and validate the accuracy of individual risk ratings and/or Retail protocol for risk analysis for loans reviewed.

With guidance, ensure underwriting and credit analyses are sound and appropriately justify and/or mitigate credit risk.

Analyze and understand financial data, collateral documentation and other credit issues. This process includes analyzing financial data and collateral documentation to determine the borrower's cash flow and ability to repay debt and gauging the quality and collectability of collateral.

Provide appropriate documentation and support for reviewed loans.

Communicate, as needed, with relationship managers regarding loans reviewed.

Assist with special projects as assigned and perform additional duties and responsibilities as required.

Participate in targeted bank examinations.

Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite.

Identify risk-related issues needing escalation to management.

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.

Promote an environment that supports diversity and reflects the M&T Bank brand.

Complete other related duties as assigned.

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