Commercial Credit Team Lead II – Underwriting/Portfolio Management - Specialty - Franchise (Finance)

Location: Boston, Massachusetts, United States of America

Salary: $172,100–$286,800 annual (USD)

Company

M&T Bank provides commercial banking and credit services, including underwriting, portfolio management, and ongoing risk monitoring for commercial clients.

What you will do

• Lead a Commercial Credit team through deal screening, underwriting, approval, and ongoing management of commercial credit relationships.
• Assess credit quality using financial statement analysis, industry research, collateral valuation, cash flow analysis, debt service capacity, and risk rating models.
• Oversee continuous credit monitoring, including annual reviews, interim updates, covenant monitoring, problem loan management, and early warning indicators.
• Review complex credit structures and provide guidance on syndicated loans and material modifications or restructurings.
• Partner with sales teams, relationship managers, Regional Credit Officers, senior management, and Loan Committees to support timely credit decisions.
• Recruit, mentor, train, develop, and retain up to 10 Commercial Credit professionals while managing workflow and team performance.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related discipline with at least 9 years of related experience, including 3 years of leadership or supervisory experience; alternatively, 13 years of combined higher education and work experience with the same experience requirements.
• Strong analytical and decision-making abilities with excellent communication and interpersonal skills.
• Proficiency in financial modeling, risk assessment tools, credit risk rating models, loan and portfolio management systems, and Microsoft Office.
• Experience with complex credit structures and syndicated loans.
• Ability to lead cross-functional teams and manage multiple projects simultaneously.
• Knowledge of accounting pronouncements and their effect on bank credits, as well as risk, regulatory, and internal control standards.

Nice to have

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

Culture & Benefits

• Managerial authority covering staffing, performance appraisals, promotions, salary recommendations, performance management, and terminations.
• Responsibility for maintaining internal control standards and implementing audit and regulatory remediation points.
• Opportunity to support a work environment that reflects the M&T Bank brand and promotes belonging.