Credit Quality Assurance Analyst III; Hybrid - See Listed Locations

Credit Quality Assurance Analyst III (Hybrid – See Listed Locations)

Join to apply for the Credit Quality Assurance Analyst III (Hybrid – See Listed Locations) role at M&T Bank

• Hybrid – in‑office three days a week at M&T Plaza in Buffalo, Long Island, or NYC.

This position operates in the 2nd line of defense and is embedded in the Credit Quality Assurance group within the Credit Risk Department, which is part of the Risk Division. The role acts as an oversight function of the 1st line of defense and 2nd line Continuous Monitoring activities. The primary responsibility is to independently assess the accuracy and adequacy of PD grades and Risk Rating rationales, credit memo quality, and adherence to relevant underwriting guidelines and procedures, and to monitor the loan exposure for the assigned commercial loan portfolio with a focus on problem credits.

The analyst also analyzes criticized credits within CQA’s quarterly PLMR reviews.

• Independently review and evaluate the accuracy of individual risk ratings on assigned credit memos from a 2nd line perspective.
• Communicate regularly with business line management and/or relationship managers, portfolio managers, coinvestors, and special assets groups.
• Assist with transaction testing, Tableau scoping, reporting, and data pulls from nCino as needed.
• Act as a lead or support in special projects as assigned and perform additional duties and responsibilities as required.
• Assist the Department Manager in developing and executing strategies to provide better insight into portfolio risk.
• Prepare written line sheets and escape material findings to the Department Manager and/or Team Leaders on an ongoing basis.
• Assist with targeted bank examinations as required.
• Adhere to applicable compliance and operational risk controls in accordance with company or regulatory standards and policies.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Strong interpersonal skills are necessary for business partner relationships within and outside the organization. The analyst provides appropriate documentation and support when assessing commercial loans, escalates credit problems, and makes recommendations for action to management to ensure timely recognition of appropriate risk ratings with proper accrual designation, reserve, and/or charge‑off as warranted.

Provide direct assistance and support to the Department Manager, which could include assuming Team Leader responsibilities on occasion. Assist in staff training.

• Minimum seven (7) years of previous experience in commercial credit, lending, (CRE/C&I/Specialty).
• Bachelor’s degree in a business‑related curriculum, or, in lieu of a degree, 8 years of experience required.

• Microsoft software proficiency including Outlook, Excel, Word, PowerPoint, Access.
• Data analytics experience and/or licenses.
• Ability to analyze and interpret financial statements and evaluate financial analyses for accuracy and completeness.
• Effective written and verbal communication skills.
• Ability to multi‑task and prioritize to complete work within established time frames.
• Ability to analyze and understand financial data, collateral documentation, and other credit issues.
• Ability to work independently with minimal oversight.
• Strong understanding of credit policies and guidelines.
• MBA preferred.

Not applicable.

M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $89,600.00 – $ Annual (USD). Compensation will be based on a combination of knowledge, skills, and experience.

Buffalo, New York, United States of America

• Seniority level:
  Not Applicable
• Employment type:
  
  Full‑time
• Job function:
  Quality Assurance
• Industries:
  Banking, Financial Services, and Investment Banking