Special Assets Portfolio Manager II (Hybrid - See Job Description for Listed Locations) (Commercial Credit)

Location: Hybrid, requiring in-office work four days a week; may be based in Buffalo, NY; Bridgeport, CT; Metro NYC; Boston, MA; Baltimore, MD; or Wilmington, DE.

Salary: $103,000–$171,600 annual USD.

Company

Commercial banking organization providing lending, credit, portfolio management, and related financial services.

What you will do

• Support Workout Officers and Special Assets leadership with underwriting approval memoranda and Problem Loan Management Reports.
• Track financial statements, appraisals, covenant compliance, and borrowing base certificates.
• Conduct client due diligence, including trade reference verification, credit reports, and industry and company research.
• Analyze financial information and help prepare cash-flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses.
• Prepare reports and scorecards for regulators and management, participate in internal strategy discussions, and attend client meetings with Relationship Managers.
• Maintain compliance, operational risk, internal control, and audit standards.

Requirements

• Bachelor’s degree or four years of equivalent related experience.
• At least five years of commercial lending or commercial credit experience.
• Very strong financial analytical skills and knowledge of credit principles.
• Proficiency with personal computers, Microsoft Word, Excel, and departmental software.
• Excellent communication and organization skills, with the ability to work under critical time constraints and interact tactfully with internal and external personnel.

Nice to have

• Bankruptcy experience.
• Strong motivation, attention to detail, and self-directed working style.

Culture & Benefits

• Work arrangement combines remote work with four required in-office days per week.
• Role supports belonging and reflects the M&T Bank brand.
• Work follows company and regulatory compliance, operational risk, audit, and internal control standards.
• Compensation is informed by the candidate’s knowledge, skills, and experience within the stated annual pay range.