CAM Workout Credit and Portfolio Review Analyst

M&T Bank is a financial institution seeking a CAM Workout Credit and Portfolio Review Analyst to provide direct support in managing substandard loan portfolios. The role involves evaluating loans, conducting financial analysis, and ensuring compliance with regulations while assisting with loan modifications and credit assessments.ResponsibilitiesAct as Liaison between CAM Workout Officers and Business and Commercial Bank to include Credit and Risk teams to ensure appropriate delivery and completion of all documents and processes related to loan workoutsEvaluate Business and Commercial Loans assigned to Workout to determine net return in a liquidation scenario. Credit facilities include secured and unsecured term loans, commercial mortgages, lines of credit, commercial leases, letters of credit, corporate card and Tier II guidance linesCollect financial information directly from the customer, such as tax returns, and personal financial statements and analyze the financial conditions, cash flow, collateral, and credit history for valuations to assess risk exposurePrepare cash flow analysis of business and personal guarantors using financial statements and establish a financial update/renewal schedule based on complexity of relationship. Develop ongoing transmittal of credit, present facts and offer opinions concerning strength of creditComplete due diligence review of customer data, and interpret results to make recommendations to Workout Specialists regarding the servicing of debt in support of underwriting effortsDraft narrative reports that are used in quarterly reviews of substandard or worse loans and present reports to Workout staff for final approval and deliveryRecognize and articulate further warning signs of troubled credit to include as part of the narrativeInitiate quarterly Problem Loan Management Review in preparation for catalog reviewConduct activities related to BSA/AML, finCen, Reg H such as Know Your Customer reviews and complete other regulatory duties as neededAssist with Customer file preparation relating to modification, charge-off and non-accrual workSupport Workout Officers in related portfolio management functions whether related to credit, depository or other banking servicesSkillsBachelor's degree and minimum of 1 years' work experience in one or more of the following fields: credit underwriting, commercial credit, problem loan management, financial statement preparation/analysis, credit quality assurance or other financial analysisOR in lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including a minimum of 1 years' experience in one or more of the following fields: credit underwriting, commercial credit, problem loan management, financial statement preparation/analysis, credit quality assurance or other financial analysisTwo or more years' in credit underwriting roleFamiliarity with Bank systems and processesExcellent verbal and written communication skillsExcellent analytical abilityCompany OverviewGreat companies have an enduring sense of purpose. It was founded in 1856, and is headquartered in Buffalo, New York, US, with a workforce of 10001+ employees. Its website is http://www.mtb.com.Company H1B SponsorshipM&T Bank has a track record of offering H1B sponsorships, with 116 in 2025, 113 in 2024, 84 in 2023, 103 in 2022, 42 in 2021. Please note that this does not guarantee sponsorship for this specific role.



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