M&T Bank

Administration

• Provide customer support by servicing the needs of existing Mortgage Warehouse Lending customers
• Ensure efficient delivery of superior customer service
• Assist with the administration of Commercial products and services
• Resolve operational problems
• Act as the liaison between the customer and the Relationship Manager
• Respond to questions and resolve problems by coordinating with internal partners
• Deliver high quality service, ensuring accuracy and timeliness of delivery
• Process requests for research, corrections, loan payments, loan advances, book transfers, collateral deficiencies, wire transfers and credit inquiries
• Perform end of day balancing of the transactions processed each day
• Update management of pending issues or delays of funding and/or payments
• Monitor bank reports for discrepancies and take appropriate action
• Research and resolve overdrafts with customers

Mortgage Warehouse Lending Account Administrator

General Counsel

• Provide legal advice and guidance on trust administration, fiduciary duties, complex fiduciary estate planning and tax matters, as well as a broad range of fiduciary services
• Review and interpret trust and legal documents and conduct legal research
• Draft, review, and negotiate agreements, disclosures and other documents
• Serve as legal counsel to various WAS fiduciary business committees
• Assist in the development of policies, procedures and template forms
• Advise on risk mitigation strategies
• Serve as subject matter expert to assist internal litigation counsel and outside counsel
• Monitor developments in relevant laws, regulations and industry issues affecting the WAS division

Associate General Counsel – Wealth Advisory Services

Program Manager

• Operate at the enterprise level - not within a single line of business - aligning stakeholders across functions and ensuring accountability to commitments.
• Monitor progress across several high-impact programs simultaneously; identify critical blockers early and drive risk, issue, and decision management across scope, schedule, budget, and resources.
• Engage regularly with senior executives and enterprise leaders, guiding initiatives such as digital optimization (web/mobile), regulatory response programs, cloud/infrastructure modernization, major business transformations, and M&A integrations.
• Lead and direct the work of matrixed teams - business-line project managers, analysts, and contract PM resources - without direct people management.
• Produce crisp, executive-ready communications and artifacts that create transparency and drive decisions.
• Champion continuous improvement, enterprise governance, and delivery best practices to keep complex work moving at pace.

Senior Enterprise Program Manager – Large-Scale Complex Transformational Initiatives

Operations

• Perform quality control reviews on physical and digital loss mitigation documents
• Verify accuracy, completeness, and regulatory compliance of all forms, signatures, dates, notary blocks, and loan terms
• Compare documents to internal systems of record to ensure data alignment
• Identify, track, and document defects or inconsistencies; escalate issues in accordance with internal policies
• Communicate findings to drafting specialists, processors, and third-party vendors
• Support process improvement efforts to reduce error rates and improve workflow efficiency

Quality Control Analyst – Mortgage Loan Documentation, Loss Mitigation Operations

IT Support

• Lead team that partners proactively with the sales team
• Provide leadership to team as they make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM)
• Provide an independent credit quality assessment of the Bank's largest commercial clients
• Evaluate and determine ongoing credit risks and corresponding risk rating of commercial clients
• Responsible for day-to-day activities of a Commercial Credit team, including underwriting of commercial loan analyses
• Maintain quality of analyses produced, mentoring Analysts and junior team members
• Serve as point person for assigning new and existing customer relationships and monitoring workflow
• Prepare thoughtful risk assessment of customers on an ongoing basis

Commercial Credit Manager

• Lead team that partners proactively with the sales team and is intimately involved throughout the deal process, from deal screen through approval and for the life of the loan.
• Provide leadership to team as they make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM) for a portfolio of commercial clients.
• Provide an independent credit quality assessment of the Bank’s largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
• Responsible for the day-to-day activities of a Commercial Credit team to include the quality and efficiency of the underwriting of commercial loan analyses, including the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.
• Maintain the quality of analyses produced, based on a program of mentoring the Analysts, Associates and junior team members and reviewing final work prior to submission to appropriate credit authority.
• Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
• Promote an environment that supports belonging and reflects the M&T Bank brand.

Manager

• Oversee the day‑to‑day workflow of the Intake team, ensuring all customer-submitted documents for mortgage assistance are reviewed, validated, and appropriately prepared for underwriting.
• Gather required documents – including specialized investor-required items such as FHA documentation – and send required compliance and status communications.
• Package and deliver complete files to the underwriting team, serving as the first and essential step in the Loss Mitigation lifecycle.
• Evaluate and refine processes, procedures, and internal controls to improve efficiency, reduce risk, and maintain strong regulatory adherence.
• Work closely with internal partners such as the mortgage assistance call center, underwriting, and other support teams.
• Manage staffing, coaching, development, performance evaluations, and performance management for a team of front-line specialists.
• Compile operational data, monitor service levels, and support departmental decision‑making.
• Maintain adherence to company policies, regulatory standards, internal controls, and audit requirements.
• Serve as a key contributor during loan portfolio onboarding, ensuring new loans transition smoothly into operational workflows.

Loss Mitigation Intake Manager – Mortgage Loan Assistance

• Lead a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships
• Ensure adherence to credit policies and maintaining portfolio quality
• Provide independent credit quality assessment of the Bank's largest commercial clients
• Evaluate credit risks and corresponding risk ratings through detailed financial analyses
• Responsible for day-to-day activities of a Commercial Credit team
• Maintain quality of analyses produced and mentor team members
• Meet with clients when appropriate and provide ongoing training to the team
• Identify risk-related issues needing escalation to management

• Receive and compile loss-mitigation packages from customers and internal partners; validate completeness and accuracy
• Interpret investor "waterfalls" and verify all required items are present (e.g., hardship letter, bank statements, pay stubs, alimony agreements, evidence of Social Security/pension income, and other investor-specific documents such as FHA requirements)
• Identify and confirm proof of income across financial documents and ensure data integrity
• Request missing or additional documentation to keep files moving; document all actions clearly
• Communicate with the Mortgage Assistance Call Center and Underwriting to prepare files for decision
• Generate and send required status and regulatory/compliance letters at the right stages
• Adhere to Company and regulatory policies, operational risk controls, and internal control standards; support timely remediation of audit/regulatory findings

Documentation Specialist – Mortgage Loan Assistance, Loss Mitigation Operations

Product Manager

• Serves as owner of a large product or set of products by representing the voice of the customer and stakeholders to ensure that the product provides value to the customer, while aligning with the business strategy.
• The Product Owner II defines their product vision and roadmap, prioritizes the product backlog, anticipates client needs and serves as primary communicator between product stakeholders and teams while evaluating product progress at each iteration.
• Build and own the large product or set of products vision and roadmap that aligns with the overall strategic intent and communicate them with the team and all stakeholders.
• Prioritize the backlog(s) based on the overall product vision and strategy.
• Represent the voice of the customer within the team and convey story details to the team; make autonomous decisions, quickly and thoughtfully, to move delivery forward in alignment with overall product vision and strategy.
• Write user stories and groom the backlog in partnership with the team.
• Specify acceptance criteria for each user story in support of moving the team to Acceptance Test-Driven Development (ATDD).
• Work directly with the delivery team to create appropriate information radiators and other communication tools for internal team and stakeholder use to show progress on a large product or multiple products.
• Participate in all team activities and ceremonies.
• Use a matrixed influencing approach to work with essential business partners throughout the organization, often at a more senior level and irrespective of hierarchy or divisions, advocating for the benefit of the customer.
• Understand and engage with your customers.
• Focus on outcomes over outputs, incorporating design thinking methods and analytics to inform product design.

Product Owner II, CIAM team

Data Analyst

• Assists in development and analysis of quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning.
• Supports more experienced analysts and management in data analysis, model development efforts and ad-hoc analysis as needed.
• Assist in researching and developing quantitative behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning, including but not limited to, loan delinquency, default and loss models, loan prepayment and utilization models, deposit attrition models and financial instrument valuation methods.
• Prepare, manage and analyze large customer loans and deposit data sets for statistical analysis in Structured Query Language (SQL) or similar tool to properly specify and estimate econometric models to understand customer or Bank behavior for purposes of interest rate, liquidity or stressed capital risk.
• Produce and run regressions (including time series and logistic regression), programming routines and other econometric analyses to specify models using appropriate statistical software; communicate results, including graphic and tabular forms of model development activities to fellow team members, Treasury management and Bank-wide stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output.
• Execute models in production environment; communicate analytical results to Bank-wide stakeholders.
• Track portfolio performance, model performance, campaign tracking and risk strategy results.
• Incorporate observations and data into existing models to improve predictive results.
• Identify deviations from forecast/expectations and explain variances.
• Identify risk and/or opportunities.
• Support development and maintenance of satisfactory model documentation, including process procedures and performance monitoring guidelines to serve as reference source.
• Provide financial analysis and data support to other groups/departments across the Bank as required.
• Engage with colleagues in Model Risk Management for model validation exercises.
• Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc.
• Adhere to applicable compliance/operational risk/model controls and other second line of defense policies and regulatory standards, policies and procedures.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.

Credit Model Development Quantitative Analyst I – Commercial Small Business Portfolio

Account Executive

• Originates new equipment finance loan and lease business
• Structures, negotiates, and closes each transaction
• Builds and expands existing business relationships with customers
• Completes in-person, phone calls, and/or emails to identify needs and transactional opportunities
• Processes and closes equipment financing opportunities in alignment with credit guidelines
• Develops and maintains knowledge of internal systems and software
• Promotes an environment that supports the Company's cultures and values
• Identifies risk-related issues needing escalation to management

Analyst

• Lead and/or participate in projects within one or more functional areas within Default Servicing (Customer Asset Management (CAM))
• Serve as resource in a defined area of CAM and represent business practices and interests in various projects with internal and external stakeholders
• Interact with business partners across various platforms to leverage technology, system enhancements and projects
• Develop and produce non-routine departmental reports and spreadsheets
• Conduct non-routine analysis and judgment-based work to support CAM decisions
• Conduct non-routine data review, research, and/or reconciliation for assigned areas of CAM
• Draft and/or edit procedures related to one or more functional areas of CAM
• Support departmental audits, user certifications and compliance testing for CAM
• Lead and participate in planning, testing and implementing new projects, systems, products and regulatory changes impacting assigned CAM team(s)
• Assist with providing departmental system support, coordinating with internal business partners, external vendors and Technology
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls

CAM Outreach Analyst II

Account Manager

• Act as single point of contact for key client relationships
• Collaborate with operations and analytics teams to meet client objectives and deliverables
• Collaborate with Business Development/Sales to secure new client mandates
• Interpret CLO indentures, credit agreements and various other structured finance documentation
• Manage client onboarding including account opening process, KYC procedures and documentation review
• Calculate and verify compliance testing and waterfall calculations
• Perform and interpret hypothetical trade testing
• Perform monthly and quarterly reconciliations for required reporting including CLOs, SMAs and Borrowing Base Facilities
• Liaise with auditors, underwriters, CLO managers, investors, private debt managers and various other parties involved
• Expose across entire lifecycle of servicing loan clients
• 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
• Maintain M&T internal control standards, including timely implementation of internal and external audit points

GCM Relationship Manager II – Private Debt, CLO

Software Engineer

• Review, internalize, and refine campaign requirements to ensure they are complete, consistent, clear, and testable.
• Partner with Quality Assurance (QC), business stakeholders, analytics teams, and channel managers to review refined requirements.
• Develop detailed technical specifications that translate approved business requirements into Customer 360 data assets within the Amperity platform.
• Build high‑quality, testable SQL and campaign components leveraging Amperity capabilities.
• Collaborate closely with the QC team during test case execution.
• Analyze and remediate defects, data issues, or gaps identified through QC testing.
• Continuously internalize and deepen understanding of the Customer 360 data platform.
• Collaborate with the manager and team to plan work, identify dependencies, and surface potential blockers.

Mortgage Warehouse Lending Account Administrator

Associate General Counsel – Wealth Advisory Services

Senior Enterprise Program Manager – Large-Scale Complex Transformational Initiatives

Quality Control Analyst – Mortgage Loan Documentation, Loss Mitigation Operations

Commercial Credit Manager

Commercial Credit Manager

Loss Mitigation Intake Manager – Mortgage Loan Assistance

Commercial Credit Manager

Documentation Specialist – Mortgage Loan Assistance, Loss Mitigation Operations

Product Owner II, CIAM team

Credit Model Development Quantitative Analyst I – Commercial Small Business Portfolio

Account Executive

CAM Outreach Analyst II

GCM Relationship Manager II – Private Debt, CLO

Marketing Campaign Programmer III