Credit Quality Assurance Analyst III (Hybrid - See Listed Locations in Job Description)

*** Work Arrangement/Location: This is a hybrid position requiring in-office work three days a week and will be based at M&T Plaza, Buffalo, NY, Long Island, NY or NYC, NY. Overview: 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 position acts as an oversight function of the 1st LOD and 2LOD 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 loan exposure for assigned commercial loan portfolio with a focus problem credits. The analyst is also responsible for analysis of criticized credits within CQAs quarterly PLMR reviews. Primary Responsibilities: Independently review and evaluate 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, Cos, SCOs, Special Assets, etc. Assist with transaction testing Tableau scoping, reporting, and data pulls from nCino as needed. Assist with and or act as a lead in special projects as assigned and perform additional duties and responsibilities as required. Assist the Department Manager to develop and execute strategies to provide better insight into portfolio risk. Prepare written line sheets and escalate 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/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. Scope of Responsibilities: Strong interpersonal skills necessary for business partner relationships within and outside the organization. Provides appropriate documentation and support when assessing Commercial loans. Escalate credit problems and make recommendations for action to management to ensure timely recognition of the appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted. Supervisory/Managerial Responsibilities: Provide direct assistance/support to the Department Manager which could include assuming Team Leader responsibilities on occasion. Assist in staff training. Education and Experience Required: Minimum seven (7) years previous experience in commercial credit, lending, (CRE/C&I/Specialty). Bachelors degree in a business-related curriculum, or in lieu of degree, 8years experience required. Education and Experience Preferred: Microsoft software including Outlook, Excel, Word, PowerPoint, Access, etc. Data analytics experience and/or licenses Credit skills: ability to analyze and interpret financial statements, as well as evaluate financial analyses for accuracy and completeness Communicate effectively both in writing and verbally. Ability to multi-task and prioritize to complete work within established timeframes. Ability to analyze and understand financial data, collateral documentation and other credit issues. Ability to work independently with minimal oversight from management. Strong understanding of credit policies and guidelines. MBA preferred. Physical Requirements: Not applicable M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $109,300.00 - $182,100.00 Annual (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation. Location New York, New York, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in peoples lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&Ts affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Banks traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communitiescombining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values integrity, ownership, collaboration, curiosity, and candor drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&Ts Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace. Career Site Privacy Notice