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M&T Bank Credit Team Leader I in Boston, Massachusetts

Location: Any M&T Bank Commercial location in region.


Responsible for the quality and efficiency of the underwriting of commercial or CRE loan analyses for the Credit Loan Analysis (LA) team. Interacts daily with the Credit Officers and Senior Credit Officers in Loan Analysis and Relationship Managers regarding the underwriting of commercial loan requests that are processed by the group.

Primary Responsibilities:

  • Responsible for the day to day activities of a team of Credit Analysts to include the quality and efficiency of the underwriting of commercial loan analyses.

  • Serve as the point person for work requests, prioritizes and assigns work, and monitors work flow.

  • Maintain the quality of analyses produced, based on a program of prescreening credits, mentoring the analysts and reviews final work prior to submission to the credit officer.

  • Support various segments within LA in terms of credit analysis functions.

  • Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

  • Oversee the training of new credit analysts as required.

  • Provides ongoing training to the department.

  • Develop training materials and various forms.

  • Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.

  • Coordinate updates to the divisional processes and policies, writes procedures and develops analysis templates as needed.

  • Resolve any policy, procedure, accounting or credit issues that occur.

  • Participate in various Departmental projects associated with the Credit Function.

  • Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.

  • Exercise the usual authority as manager concerning staffing, performance appraisals, salary recommendations, promotions, terminations, performance management, and training, coaching and mentoring.

  • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

  • 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.

Supervisory/ Managerial Responsibilities:

Supervises and mentors a team (up to 7), comprised of credit analysts, senior credit analysts, and administrative staff.

Education and Experience Required:

Bachelor's degree in Accounting, Finance, or related discipline and minimum of 5 years' commercial credit experience or relevant analytical with a strong knowledge of accounting principles including 2 years coaching/training/mentoring or work leadership experience OR in lieu of degree a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years commercial credit experience with strong knowledge of accounting principles including 2 years' coaching/training/mentoring or work leadership experience.

Proficiency with personal computers and relevant software packages.

Education and Experience Preferred:

Strong leadership skills and ability to motivate others.

Commitment to meeting the needs of both the internal and external customers of the department.

Excellent communication (verbal and written) and interpersonal skills. Ability to maximize efficiency and maintain the consistent quality of the work produced by the credit analysis team.

Exhibit a strong work ethic and consistently meet deadlines.

Extensive knowledge of Bank's credit policies and procedures.



Boston, Massachusetts, United States of America

At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000+ employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way.

Competitive compensation - Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance - Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO - 401(k) match at 5% with options for Roth and discretionary employer contributions - A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more - Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts

We need you. Are you ready to join us? Apply today to start the journey. If you are unable to apply through this site due to technical issues, please contact us at for assistance. M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.