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M&T Bank Senior Credit Review Officer - Commercial in Buffalo, New York



The Credit Review Team serves as the second line of defense relative to credit risk. The Sr. Credit Review Officer is responsible for analyzing and monitoring of credit quality and loan exposure for the Bank's Commercial loan portfolios. The Sr. Credit Review Officer makes recommendations for risk rating changes including non-accrual and charge-off through the department hierarchy.

Primary Responsibilities:

  • Independently complete reviews of loans for larger, more complex credits, as requested by department management. In accordance with established operational procedures, review and validate the accuracy of individual risk ratings and/or Retail protocol for risk analysis for loans reviewed.

  • Ensure underwriting and credit analyses are sound and appropriately justify and/or mitigate credit risk.

  • Analyze and understand financial data, collateral documentation, and other credit issues. This process includes analyzing financial data and collateral documentation to determine the borrower's cash flow and ability to repay debt and gauging the quality and collectability of collateral.

  • Provide appropriate documentation and support for reviewed loans.

  • Communicate, as needed, with relationship managers regarding loans reviewed.

  • Assist with special projects as assigned and perform additional duties and responsibilities as required.

  • Participate in targeted bank examinations.

  • 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 together with any issues raised by external regulators as applicable.

  • Promote an environment that supports diversity and reflects the M&T Bank brand.

  • Complete other related duties as assigned.

Scope of Responsibilities:

As part of the second line of defense, the Sr. Credit Review Officer independently performs assessments and monitoring of credit risk. The Sr. Credit Review Officer has a good understanding of credit policies and procedures, as well as large and more complex loan exposures. The Sr. Credit Review Officer alerts management to credit problems so that action can be taken to ensure timely recognition of appropriate risk ratings with proper accrual designation, reserve and/or charge-off as warranted.

Supervisory/ Managerial Responsibilities:

May provide coaching to Credit Review Officers and assist with staff training.

Education and Experience Required:

Bachelor's degree in a business related curriculum and a minimum of 5 years' experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit and/or other relevant experience,

OR in lieu of a degree,

a combined 9 years' higher education and/or working experience, including 5 years' experience in commercial or consumer credit, lending, residential mortgage, finance, accounting, audit, and or other relevant experience.

Working knowledge of credit risk management techniques, credit regulatory guidance, and bank credit administration.

Ability to communicate effectively both in writing and verbally.

Experience with spreadsheet, word processing, presentation and database software.

Ability to multi-task and prioritize to complete work within established timeframes.


Buffalo, New York, 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.