Commercial Credit Lead

Lead underwriting and credit risk management for commercial loans at M&T Bank. Analyze financial statements, structure credit solutions, negotiate legal documents, obtain credit approvals, and manage ongoing credit risk through CCM activities. Collaborate with relationship managers, risk officers, and other stakeholders to facilitate sound credit decisions and maintain portfolio quality. Manage a transaction team, spread financial statements, prepare financial models, and present independent credit quality assessments with risk ratings, mitigants, industry concerns, and market/financial trends. Propose loan structures including terms, collateral, and guarantors; ensure compliance with the Commercial Credit Policy and regulatory standards. Engage in client/prospect calls to understand business needs and contribute to deal execution from deal screen through life of loan; lead the team to maintain timely and accurate risk ratings for complex commercial credits. The role requires strong analytical, communication, and organizational skills with proficiency in financial analysis and documentation.