Senior Manager of Commercial Credit Portfolio II

2 weeks ago

Philadelphia, Pennsylvania, United States M&T Bank Full time
OVERVIEW

Assess and identify the credit risks associated with the most significant and intricate commercial real estate clients through comprehensive financial statement evaluations, industry analysis, collateral assessments, cash flow scrutiny, and repayment capability assessments.

RESPONSIBILITIES
  • Oversee the continuous credit risk management of current loan portfolios via ongoing credit surveillance (OCS) activities, facilitating the prompt detection of emerging credit risks to implement appropriate measures for risk management, loss mitigation, and accurate risk rating assignment. An OCS program encompasses but is not limited to annual evaluations (including PLRs and Guarantor Assessments), interim update reports, a covenant monitoring framework, problem loan oversight, early warning signals, and various credit monitoring techniques.
  • Examine all relevant credit and financial data, including but not limited to financial statements, tax documentation, due diligence assessments, credit reports, appraisals, internal credit evaluations, industry insights, and peer analysis. Assess the necessity for deeper investigation or supplementary information.
  • Evaluate financial data and associated documentation while conducting ongoing credit surveillance for the Bank's commercial dealings. Customer risk assessments are performed continuously, focusing on identifying emerging risks or significant changes in customers' financial standings, including compliance with loan agreements. Analyses should include an independent credit quality evaluation for existing loans with well-supported risk rating justifications, identification of credit risks and mitigations, industry challenges, market dynamics, financial trends, and other relevant credit considerations.
  • Act as a liaison between Commercial Banking Relationship Managers and the Underwriting Team to facilitate customer credit requirements, whether through new applications, modifications, or annual assessments/renewals. This includes documenting and tracking pertinent information, reports, and memos to ensure that necessary credit approvals are secured, documented, and adhered to from initiation through closing and maintenance, ensuring timely and precise risk ratings for a portfolio of commercial credits.
  • Analyze financial statements and construct financial models to assess various conditions affecting the proposed transactions. Develop cash flow projections, collateral schedules, covenant sensitivity analyses, financial models, and guarantor statement evaluations as needed.
  • Monitor the credit performance of customer portfolios and escalate or address issues as necessary.
  • Ensure the timeliness of monitoring activities and verify compliance with credit policies by evaluating adherence to the Commercial Credit Policy and assessing any risks associated with non-compliance.
  • Present analyses or respond to inquiries during credit discussions or presentations.
  • May participate in client meetings with Relationship Managers to gain a comprehensive understanding of the client/prospect and their business, effectively aiding in annual assessments, renewals, and ongoing monitoring activities.
  • Comply with applicable compliance and operational risk controls in line with Company or regulatory standards and policies.
  • Foster an environment that promotes diversity and reflects the M&T Bank brand.
  • Uphold M&T internal control standards, including the timely implementation of internal and external audit findings along with any issues raised by external regulators as applicable.
  • Perform other related duties as assigned.
SCOPE

The Commercial Credit Portfolio Management Department is tasked with the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate credit risk ratings and adherence to both credit policies and loan agreements.

This position collaborates with Commercial Relationship Managers and Group Managers across the bank's operations, as well as other internal stakeholders, regarding the credit monitoring of the largest, most complex, and/or specialized loans.

Potential for client engagement exists.

Works autonomously with minimal oversight.

MANAGEMENT RESPONSIBILITIES

Contribute to the training of junior or newly hired Portfolio Managers.

EDUCATION AND EXPERIENCE REQUIRED

Bachelor's degree in Accounting, Finance, Economics, or a related field with a minimum of 7 years of experience in complex credit underwriting, specialty underwriting, or other intricate financial analysis roles; or alternatively, a combined minimum of 11 years of higher education and work experience, including 7 years in complex credit underwriting, specialty underwriting, or other complex financial analysis roles.
Exceptional verbal and written communication skills.

Outstanding analytical capabilities.

  • Manager of Commercial Client Portfolios

    2 weeks ago

    Philadelphia, Pennsylvania, United States WSFS Bank Full time

    Job Overview At WSFS Bank, we are dedicated to fostering the growth of our Associates, guiding our clients towards securing their financial futures, and actively contributing to our Communities' prosperity. Our careers offer a culture that is both inclusive and supportive, competitive compensation, opportunities for advancement, and much more. As a locally...

  • Portfolio Manager

    5 days ago

    Philadelphia, Pennsylvania, United States WSFS Bank Full time

    About the RoleAt WSFS Bank, we are seeking a highly skilled Portfolio Manager to join our team. As a Portfolio Manager, you will play a critical role in managing our commercial relationships, working closely with our Asset Recovery Relationship Managers to ensure the successful administration of our customers' portfolios.Key ResponsibilitiesPortfolio...

  • Commercial Loan Portfolio Supervisor

    2 weeks ago

    Philadelphia, Pennsylvania, United States WSFS Bank Full time

    Job Overview At WSFS Bank, we are dedicated to fostering the growth of our Associates, guiding our clients towards securing their financial futures, and actively contributing to our Communities' prosperity. Our careers at WSFS Bank provide an inclusive and supportive environment, competitive compensation, opportunities for advancement, and more. As a locally...

  • Senior Portfolio Manager

    1 week ago

    Philadelphia, Pennsylvania, United States Bank of America Full time

    Position Overview The Senior Portfolio Manager plays a pivotal role in managing client investments and is accountable for assessing, structuring, and supervising all elements of portfolio development, including the selection of investment managers. Key Responsibilities: Ensure the completion of the investment policy statement. Serve as a technical...

  • Senior Portfolio Manager

    1 week ago

    Philadelphia, Pennsylvania, United States Bank of America Full time

    Position OverviewThe Senior Portfolio Manager plays a pivotal role in managing client relationships and is tasked with the comprehensive evaluation, design, and oversight of portfolio construction, including the selection of investment managers.Ensure the completion of the investment policy statement.Serve as a technical and industry authority in managing...

  • Senior Portfolio Manager

    2 weeks ago

    Philadelphia, Pennsylvania, United States Bank of America Full time

    Position Overview The Senior Portfolio Manager plays a pivotal role in the client relationship, acting as the investment strategist responsible for assessing, designing, and managing all facets of portfolio construction, including the selection of investment managers. Key Responsibilities: Ensure the completion of the investment policy statement. ...

  • Portfolio Manager

    2 days ago

    Philadelphia, Pennsylvania, United States WSFS Bank Full time

    About WSFS BankWe are a leading regional bank and wealth management company, dedicated to empowering our associates, guiding our customers, and supporting our communities. Our mission is to consistently be named a Top Workplace by our associates, who make a difference every day for the people, businesses, and communities we serve.Job SummaryThe Asset...

  • Senior Manager, Portfolio Analytics

    2 days ago

    Philadelphia, Pennsylvania, United States GlaxoSmithKline Full time

    About the RoleWe are seeking a highly skilled Senior Manager, Portfolio Analytics to join our Data & Analytics team at GlaxoSmithKline. As a key member of our team, you will be responsible for leading cross-brand analysis and driving innovation in our commercial business processes.Key ResponsibilitiesConduct in-depth analysis of marketing mix, test/control,...

  • Senior Fixed Income Credit Analyst

    3 months ago

    Philadelphia, Pennsylvania, United States PNC Full time

    Position OverviewAt PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the...

  • Risk Management-Credit Risk Executive Director

    4 weeks ago

    Philadelphia, Pennsylvania, United States JPMorganChase Full time

    Job Description Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company,...

  • Senior Analyst, Portfolio Management

    4 weeks ago

    Philadelphia, Pennsylvania, United States Chubb Full time

    Job DescriptionAs an integral member of the Small Business Underwriting & Portfolio Management Domain, the Sr Portfolio Analyst will be responsible for driving the Small Business Division's commercial P&C underwriting profitability, growth and digital transformation objectives. He/she will collaborate closely with advanced analytics and data science...

  • Senior Credit Risk Analyst

    1 week ago

    Philadelphia, Pennsylvania, United States GM Financial Full time

    Position Overview:Why Choose GM Financial?GM Financial serves as the dedicated finance subsidiary of General Motors, with its headquarters located in Fort Worth, U.S. We are a worldwide provider of automotive financing solutions, operating across North America, South America, and the Asia Pacific region. Our enduring partnerships with auto dealers enable us...

  • Senior Credit Risk Analyst

    1 week ago

    Philadelphia, Pennsylvania, United States GM Financial Full time

    Position Overview:Why Choose GM Financial?GM Financial operates as the exclusive finance arm of General Motors, based in Fort Worth, U.S. We deliver comprehensive auto finance solutions across North America, South America, and the Asia Pacific region. Our established partnerships with automotive dealers enable us to provide appealing retail financing and...

  • Senior Credit Risk Strategy Manager

    2 weeks ago

    Philadelphia, Pennsylvania, United States Perpay - Career's Page Full time

    About the Company: At Perpay, we are dedicated to offering financial solutions that empower individuals to enhance their economic well-being. Our focus on inclusivity and simplicity has led to the creation of innovative products that have made a meaningful difference. Key Highlights:Over $500 million in spending power utilized by our membersMembers' credit...

  • Senior Credit Risk Strategy Manager

    1 week ago

    Philadelphia, Pennsylvania, United States Perpay - Career's Page Full time

    Company Overview: At Perpay, we are dedicated to delivering financial solutions that empower individuals to enhance their economic well-being. Our emphasis on inclusivity and simplicity has led to the creation of innovative products that have made a meaningful difference in the lives of our members. Key Achievements:Members have accessed over $500 million in...

  • Senior Credit Risk Strategy Manager

    2 weeks ago

    Philadelphia, Pennsylvania, United States Perpay - Career's Page Full time

    About the Company: At Perpay, we are dedicated to offering financial solutions that enable individuals to enhance their economic well-being. Our emphasis on inclusivity and straightforwardness has led to the creation of innovative products that have significantly influenced our members' lives. Key Highlights:Over $500 million in financial empowerment...

  • Senior Credit Risk Analyst

    1 week ago

    Philadelphia, Pennsylvania, United States GM Financial Full time

    Position Overview:Why Choose GM Financial?GM Financial serves as the dedicated finance arm of General Motors, with a global presence that spans North America, South America, and the Asia Pacific region. We specialize in providing comprehensive auto finance solutions tailored to meet diverse customer needs. Our longstanding partnerships with auto dealers...

  • Senior Commercial Account Executive

    2 weeks ago

    Philadelphia, Pennsylvania, United States Signers National Full time

    Become a part of Signers National as a Senior Commercial Account ExecutiveAre you seeking a fulfilling and dynamic role within the insurance sector? Signers National is a prominent insurance brokerage dedicated to supporting non-profit and social service entities across the country. Our organizational ethos is rooted in unwavering commitment and ongoing...

  • Middle Market Business Development Manager

    2 days ago

    Philadelphia, Pennsylvania, United States WSFS Bank Full time

    About the RoleAt WSFS Bank, we empower our Associates to grow their careers, we guide our customers to secure their financial futures, and we actively support our Communities so they can fully thrive. Careers with WSFS Bank offer an inclusive and supportive culture, competitive salaries, opportunities to advance, and more. We are the premiere, locally...

  • Multifamily LIHTC Asset Manager Senior Associate

    5 days ago

    Philadelphia, Pennsylvania, United States Fannie Mae Full time

    Job DescriptionFannie Mae is seeking a highly skilled Multifamily LIHTC Asset Manager Senior Associate to join our team. As a key member of our organization, you will be responsible for the post-closing management activities of our equity portfolio.Key ResponsibilitiesRelationship Management: Act as the primary point of contact with syndicator partners,...