OVERVIEW:

This position is responsible for setting strategic direction, policies and guidelines for M&T's Credit Review Department.  Responsible for the completion of M&T's annual Credit Review plan and maintaining a favorable rating from the regulators relative to the performance of Credit Review department. Ensures areas of responsibility are managed and fully comply with Bank standards, as well as government and industry regulations.  Oversees development of the annual plan for Credit Review.  Represents M&T with industry associations, government, and regulatory bodies. This role reports directly to the Chair of the Risk Committee of the Board with an administrative reporting line to the Chief Risk Officer.

PRIMARY RESPONSIBILITIES:

• Ensure the continued independence and objectivity of M&T's Credit Review Department.
• Oversee performance of regular credit review examinations of M&T's lending portfolio and the organization's overall credit risk management framework.
• Provide consultative input to management in the design and implementation of adequate internal controls and risk management practices as they pertain to credit risk.
• Advise and apprise Senior Executive Management, including the Chief Risk Officer, on credit risk matters and the quality of M&T's loan portfolio.
• Provide information and support to the Risk Committee of the Board of Directors to allow the Committee to fulfill its oversight role.
• Play an integral role in assessing the effectiveness of M&T's credit risk management structure and framework.
• Assure that Credit Review remains effective in the opinion of the federal regulators, and that its practices represent current industry standards.
• Represent the Bank in the community.
• Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.  Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis.  Identify risk-related issues needing escalation to management.
• Promote an environment that supports diversity 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.

SCOPE OF RESPONSIBILITIES:

This position provides leadership of M&T's Credit Review department.  Developing and implementing the strategy for this area and delivering results on the strategy are key components of the job, as is ensuring regulatory compliance and adherence to Bank standards.  The position is required to adapt to and initiate change within areas of responsibility.

MANAGERIAL/SUPERVISORY RESPONSIBILITY:

Oversees approximately 65 FTE and has an annual operating budget of approximately $12 million.

EDUCATION AND EXPERIENCE REQUIRED:

Bachelor’s degree in Business, Finance, Economics or related field and a minimum of 17 years’ broad-based banking experience, inclusive of multiple businesses or a combination of business and support functions, OR in lieu of a degree, a combined minimum of 21 years’ higher education and work experience, including a minimum of 17 years’ broad-based banking experience, inclusive of multiple businesses or a combination of business and support functions.

Minimum of 8 years proven and progressive managerial experience.

Strong interpersonal skills: ability to build collaborative relationships with stakeholders and communicate in an articulate and professional manner.

Knowledge of banking credit principals and banking and industry product offerings.

Excellent presentation skills.

Strong analytical and decision-making skills.

Strong strategic planning skills.

EDUCATION AND EXPERIENCE PREFERRED:

MBA or advanced degree.

Commercial Credit experience as a Credit Officer, Credit Risk Manager, or Credit Reviewer.

Experience in a leadership role within an independent assurance function (e.g. Internal Audit, Compliance, etc.)
Knowledge of Bank policies and procedures.
Knowledge of overall Bank strategic vision and mission with ability to link to division mission.

Location

Sanford, North Carolina, United States of America