Lead RL

Primary Responsibilities

• Oversees the development and enhancement of team expertise in loan accounting systems, internal policies, procedures, and systems/applications, applicable regulatory guidelines, and ensures comprehensive issue resolution.
• Provides strategic oversight of compliance with M&T Credit Policy, business financial documents, business banking loans, and additional legal documentation to ensure robust asset management.
• Leads the communication efforts among credit underwriting, external attorneys, internal legal, document preparation departments, and others as may be needed to facilitate timely loan closing and proactively resolve complex issues.
• Mentors and coaches team members, fostering collaboration with internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes.
• Drives escalation of significant issues as appropriate. Partners with sales leadership to evaluate and process exception requests, guiding deviations from standard business practices.
• Leads regular one-on-one meetings with Relationship Manager(s) to prioritize and strategize ongoing portfolio management activities and new loan requests, while facilitating cross-business line cluster meetings.
• Play a key role in the client facing team by overseeing transaction requests, documentation collection, fraud support, error resolution, and managing escalations.
• Conduct thorough research on client and bank issues, proposing comprehensive solutions and evaluating potential trade-offs while identifying risks and presenting effective mitigants.
• Monitor and manage the portfolio’s outstanding assets, such as, but not limited to maturing loans, exception pricing, annual reviews, and covenant compliance, ensuring proactive oversight.
• Delegate tasks to ensure uninterrupted workflow and enhance team efficiency.
• Provide coaching and mentorship to team members, enhancing their skills in risk identification and mitigation alongside the relationship team, fostering a collaborative environment.
• Avoid assuming additional responsibilities as needed, including leading the training and mentoring of new team members, identifying opportunities for process improvements, and driving projects aimed at enhancing efficiency.
• Ensure comprehensive understanding and adherence to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Proactively identify and escalate risk-related issues to senior management.
• Maintain and strengthen M&T internal control standards by overseeing the timely implementation of internal and external audit points together with any issues raised by external regulators and ensuring compliance.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Undertake additional related duties as assigned, providing strategic oversight and guidance as necessary.

Requirements

• Bachelor’s degree
• In lieu of a bachelor’s degree, minimum of 3 years of banking/financial industry experience.
• Ability to work as a team member with tact and diplomacy.
• Thrives in a fast-paced environment, excels in time sensitive situations, and has the ability to deliver results with tight deadlines for various assignments.
• Proficient personal computer skills, including Adobe DC, Sales force, Microsoft Word, and Excel.
• Proficient in banking systems, policies, procedures, regulation along with broad knowledge of state and courthouse filings.
• Experienced in lending operations to include business banking loan approvals, financial statements, and loan documentation.

Qualifications

• Education and Experience Required: Bachelor’s degree or minimum of 3 years of banking/financial industry experience.
• Education and Experience Preferred: Ability to work as a team member with tact and diplomacy; Thrives in a fast-paced environment, excels in time sensitive situations, and has the ability to deliver results with tight deadlines for various assignments; Proficient personal computer skills, including Adobe DC, Sales force, Microsoft Word, and Excel; Proficient in banking systems, policies, procedures, regulation along with broad knowledge of state and courthouse filings; Experienced in lending operations to include business banking loan approvals, financial statements, and loan documentation.

Benefits

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $28.60 - $47.66 Hourly (USD).

Schedule

Part-time, 4 days per week, in the Timonium Center office.

Pay

$28.60 - $47.66 Hourly (USD)

Location

Timoremonium, Maryland, United States of America