PCLC Senior Portfolio Risk Analyst

About the position

Responsible for ongoing monitoring of an assigned portfolio of loan and lease accounts to up to $10 mm to ensure timely and accurate credit risk ratings and compliance with credit policy and loan agreements. Works with management and the sales team as required.

Responsibilities

• Complete continuous credit monitoring (CCM) for a portfolio of equipment finance loan and lease clients for more complex credits.
• Provide an independent credit quality assessment of the Bank's larger loan and lease clients identifying appropriate risk rating, credit risks and mitigates, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Individually assess ongoing risk of an assigned portfolio with exposures up to $10 mm, including direct and indirect syndication relationships and group participations.
• Support various regions in terms of credit analysis functions by partnering proactively with sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customer financial position, including evaluation of loan agreement compliance.
• Evaluate and determine ongoing credit risks and corresponding risk rating of loan and lease clients through detailed financial statement spreading and analysis, industry assessment, collateral valuation, cash flow analysis and ability to repay annual debt service.
• Mentor less experienced analysts as required.
• Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
• Maintain collateral worklogs, track floor planning, and report on industry-specific risk profiles for aviation, marine and/or truck transportation as required.
• Maintain account specific worklogs.
• Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
• Prepare for, and present at, quarterly portfolio risk analyst meetings with senior management.
• Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite.
• 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.

Requirements

• Bachelors' degree in Accounting, Finance, or related discipline and a minimum of 2 years' related work experience, or in lieu of a degree, a combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' related work experience.

Nice-to-haves

• Minimum of 3 years' related work experience.
• Equipment leasing experience.
• Sound understanding of financial statements and accounting terminologies.
• Ability to spread, analyze, and present complex credits according to policy.
• Strong verbal and written communication skills.
• Strong presentation skills.
• Strong negotiation skills.
• Ability to handle escalated situations.
• Strong interpersonal skills.
• Strong problem-solving skills.
• Strong analytical skills.
• Proficiency with personal computers, including pertinent word processing, spreadsheet, and industry-specific software.
• Ability to work independently.
• Ability to use own discretion.
• Ability to manage multiple priorities.

Benefits

• Competitive benefits ranging from medical and retirement to forty hours of paid volunteer time each year.