M&T Bank

Program Manager

• Complete a formal training program that includes instructor-led sessions, web-based learning, individual and group activities, and on-the-job assignments.
• Demonstrate active engagement in all training and cohort sessions by contributing to discussions, asking questions, participating in activities, and collaborating with peers.
• Complete all program assignments, exercises, and deliverables by established deadlines and to required quality standards.
• Participate in ongoing coaching and feedback sessions with senior analysts, credit associates, credit managers, and credit officers; apply feedback to improve performance.
• Demonstrate progressive readiness for independent underwriting responsibilities based on performance, capability development, and consistent application of program learning.
• Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of middle-market, commercial real estate, and large corporate borrowers.
• Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events.
• Monitor assigned loan portfolios for credit quality, covenant compliance, and early warning indicators.
• Evaluate collateral, guarantor support, covenant structures, and debt capacity.
• Partner with relationship managers, credit associates, and product specialists to support credit structuring.

Commercial Credit Analyst Program, All Locations

• Develop and produce routine departmental reports and spreadsheets
• Complete routine analysis and judgment-based work over a single or a few closely related disciplines
• Complete routine data review, research and/or reconciliation
• Take a lead role in drafting and editing procedures for assigned area of Banking Services
• Participate in planning, testing, and implementing new projects, systems, products and regulatory changes
• Assist with technical troubleshooting and escalations

Enterprise Operations Development Program – Banking Services

General

• Independently develops, implements, maintains, analyzes and manages quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning
• Lead research and development of quantitative behavioral models used for credit risk, interest rate risk and liquidity risk management
• Prepare, manage and analyze large customer loan, deposit or financial data sets for statistical analysis in Structured Query Language (SQL) or similar tool
• Run regressions (including time series and logistic regression), programming routines and other econometric analyses to specify models using appropriate statistical software
• Execute models in production environment; communicate analytical results to Bank-wide stakeholders
• Track portfolio performance, model performance, campaign tracking and risk strategy results

Credit Model Development Expert

Analyst

• Develops, implements, maintains and analyzes quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management
• Provides independent contribution to team, including data analysis, model development efforts and ad-hoc analysis as appropriate
• Prepare, manage and analyze large customer loan, deposit and/or financial data sets for statistical analysis in SQL or similar tools
• Run regressions and other econometric analyses to specify models using appropriate statistical software
• Execute models in production environment; communicate analytical results to Bank-wide stakeholders
• Track portfolio performance, model performance, campaign tracking and risk strategy results
• Develop and maintain satisfactory model documentation
• Provide financial analysis and data support to other groups/departments across the Bank as required

Senior Credit Model Development Analyst – Consumer Portfolio

QA Engineer

• Monitor and/or complete audits of activities of a complex nature within an assigned area of the Bank to ensure adherence to internal policies and processes and external regulations.
• Identify issues of non-compliance and communicate to appropriate parties to prevent future recurrence.
• Maintain records of discovered deficiencies.
• Complete regular reporting on these activities.
• Identify trends in the data and recommend changes in policies and processes to address these.

Quality Assurance Analyst II

Associate

• Assessing and managing credit risk for commercial clients
• Analyzing financial statements and monitoring loan portfolios
• Facilitating credit needs of customers by underwriting requests
• Managing ongoing credit risk of existing loan portfolios through continuous credit monitoring
• Reviewing credit and financial information including financial statements and due diligence reports
• Preparing cash flow, collateral schedules, financial models, and guarantor statement analysis
• Ensuring compliance with credit policies and identifying risk-related issues needing escalation

Commercial Credit Associate

Administration

• Assists with limited aspects of Global Capital Markets trust or entity administration and servicing of high net-worth private and institutional clients
• Serves as point of contact for clients regarding routine daily administration
• Processes all related transactions, including collecting critical documents
• Manage relationships with internal and external service partners
• Develop and maintain industry knowledge applicable to the business
• Promote an environment that supports belonging and reflects the M&T Bank brand

Global Capital Markets Client Administrator I – Loan Agency

IT Support

• Manage administrative, relationship management and planning for assigned product lines
• Cultivate present and prospective clients as sources of new business
• Meet with clients to ensure quality of service and uncover opportunities for referrals
• Manage, coach and mentor Relationship Managers and other staff members
• Lead development and implementation of process improvements
• Maintain administrative, operational and risk management support for Unit
• Participate in revenue generating efforts
• Collaborate to implement strategic plan
• Represent Unit or Division on Enterprise-wide projects and initiatives
• Exercise usual authority concerning staffing, performance appraisals, promotions, and other related management functions

Global Capital Markets Unit Manager III

Data Analyst

• Consults with stakeholders to lead workstream scoping and prioritization through problem statement-oriented discovery and solutioning
• Transforms and maintains datasets for practical, scalable application
• Builds sophisticated statistical modeling to identify trends, evaluate causality and forecast results with viable outcomes
• Synthesizes results into succinct, easily digestible deliverables
• Delivers professional data products (e.g., dashboards, reports, documentation) with prescriptive, actionable insights
• Leverages automation tools to streamline data ingestion and outputs
• Leads continuous improvement of existing processes to refine, synthesize, and standardized workstreams
• Maintains documentation outlining key projects and processes
• Advocates for resource prioritization according to strategic demand and business value
• Promotes a healthy, professional work environment and culture reflecting M&T Bank’s brand

Lead Business Analytics, Reporting Analyst

• Manage large complex relationships and cultivate clients for new business
• Ensure quality of service and uncover opportunities for referrals
• Manage, coach and mentor Relationship Managers and other assigned staff
• Lead development and implementation of process improvements
• Maintain all administrative, operational and risk management support for Unit
• Participate in revenue-generating efforts
• Collaborate to implement strategic plan
• Represent Unit or Division on Enterprise-wide projects
• Design, implement, maintain and enhance internal controls

Global Capital Markets Manager III

Account Manager

• Originate, structure, and manage asset-based lending relationships within the middle market, large corporate and sponsor-backed client segments
• Deliver customized working capital solutions supported by accounts receivable, inventory, and other collateral
• Serve as primary client contact for ABL product and partner closely with credit, underwriting, field exam, and portfolio management teams
• Source new ABL opportunities through in house referrals and direct calling
• Develop referral networks with private equity sponsors and internal partners
• Maintain strong client engagement and monitor performance trends
• Evaluate field exams, appraisals, and participate in credit memo development

Senior Commercial Relationship Manager – SVP, Asset Based Lending

• Responsible for managing, leading, and executing IT assurance activities over the technology environment supporting the Institutional Services (Capital Markets) and Wealth Management (ISWM) domain
• Oversee ongoing risk assessment, audit execution, and continuous monitoring specific to the technologies supporting the ISWM business
• Regularly consult with Audit Leadership responsible for the Cybersecurity and Technology domains
• Support the department’s risk assessment process and development of the annual audit plan
• Independently manage all phases of the audit process—including planning, execution, continuous auditing, and validation procedures—in a risk-focused manner
• Lead a team of auditors in the identification, assessment, and testing of key IT controls impacting the ISWM domain
• Communicate audit status, emerging risks, and significant issues clearly and proactively to audit leadership and business executives
• Coach, mentor, and oversee audit team members
• Adhere to all company policies, risk management frameworks, and regulatory standards applicable to audit and operational risk

IT Audit Manager – Institutional Services, Wealth Management

• Monitor and/or complete audits of activities of a more basic nature within an assigned area of the Bank to ensure adherence to established internal policies and processes and external regulations
• Identify issues of non-compliance and communicate to appropriate parties as well as individual employees as warranted to prevent future recurrence
• Maintain records of discovered deficiencies to support reporting and trend analyses of activities
• Develop and maintain a current knowledge of the policies, processes and regulations affecting monitoring and/or auditing activities to ensure validity of analyses and findings
• Identify potential areas for process or procedural improvements
• Participate in more complex monitoring and/or audit of activities as requested
• 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 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

Quality Assurance Analyst – Loss Mitigation Underwriting

Mortgage Processor

• Maintain effective communication with all necessary parties involved in a new loan application
• Work with various internal departments as well as external organizations to obtain processing related documentation
• Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines
• Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications
• Perform other administrative duties supporting the origination department
• Ability to scrutinize a loan application to assess qualification
• Empowered to review and accept loan conditions based on underwriter requirements
• Ensure adherence to all regulatory requirements and guidelines
• Identify risk-related issues needing escalation to management

Mortgage Processor III

• Reviews loan applications to assess qualification and restructures or recommends solutions
• Responsible for clearing conditions on residential mortgage loan products
• Maintain effective communication with all necessary parties
• Work with various internal departments as well as external organizations
• Immediately notifies all necessary parties of irregularities
• Monitor, update and analyze credit reports, appraisals, income documentation
• Support the origination department with administrative duties
• Ensure adherence to all regulatory requirements and guidelines
• Identify risk-related issues needing escalation to management
• Promote an environment that supports belonging and reflects the M&T Bank brand