Commercial Credit Quality Monitoring Officer III

Location: Buffalo, New York, United States of America

Salary: $89,600–$149,300 annual (USD)

Company

M&T Bank provides commercial banking and lending services with a focus on credit quality, risk management, and regulatory controls.

What you will do

• Perform independent quality monitoring reviews of individual commercial loans and targeted portfolios.
• Validate risk ratings, credit file completeness, underwriting quality, and policy adherence.
• Analyze borrower financial data, cash flow, repayment capacity, collateral documentation, and collateral collectability.
• Provide guidance, coaching, and mentoring to Commercial Credit teams and junior or newly hired staff.
• Prepare reports, communicate findings to Commercial Credit management, and escalate material risks.
• Support special projects, audit remediation, regulatory issues, and continuous improvements in credit controls.

Requirements

• Bachelor’s degree in a business-related field and at least 5 years of relevant experience, or equivalent education and experience.
• Experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, or a related field.
• Working knowledge of credit risk management techniques, regulatory guidance, and bank credit administration.
• Strong written and verbal communication skills with the ability to identify and escalate credit risks.
• Experience with spreadsheet, word processing, presentation, and database software.
• Ability to multitask, prioritize work, and meet established deadlines.

Nice to have

• MBA, advanced degree, or CPA.
• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Work within the first line of defense and the Commercial Credit organization.
• Partner with Commercial Credit leadership to strengthen credit quality, controls, and risk outcomes.
• Support an environment that promotes belonging and reflects the M&T Bank brand.
• Follow established risk, regulatory, internal control, and audit standards.