M&T Bank · 1 month ago
Commercial Credit Manager, Healthcare
Boston, MA
Full-time
Hybrid
Senior Level, Lead/Staff
$194K/yr - $324K/yr
9+ years expM&T Bank is a financial institution looking for a Commercial Credit Manager in the Healthcare sector. The role involves leading a team in evaluating and managing commercial credit relationships, ensuring adherence to credit policies, and collaborating with sales teams to support business growth.
Financial Services
Responsibilities
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. These assessments include initial analyses of new money and material modifications. 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. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance
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
May underwrite, monitor, or provide guidance on more complex credit structures
Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage
Meet with clients when appropriate
Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement
Provides ongoing training to the team
Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed
Resolve any policy and procedure, accounting or credit issues that occur
Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits
Recruits, develops, and retains a highly talented Commercial Credit team
Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. 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
Qualification
Required
Bachelor's degree in Accounting, Finance, or related discipline with 9 years' related experience with three years' work leadership/supervisory experience, or in lieu of degree, a combined minimum of 13 years' higher education and work experience to include a minimum 9 years' related experience with three years' work leadership/supervisory experience
Strong analytical and decision-making abilities
Excellent communication and interpersonal skills
Proficiency in financial modeling and risk assessment tools
Experience with complex credit structures and syndicated loans
Ability to lead cross functional teams and manage multiple projects simultaneously
Familiarity with credit risk rating models and loan / portfolio management systems
Proficiency in Microsoft Office
Preferred
MBA / Advanced Degree or a CPA
Experience with Capital IQ, FactSet, and Bloomberg
Company
M&T Bank
Great companies have an enduring sense of purpose.
10001+ employees
H1B Sponsorship
M&T Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (116)
2024 (113)
2023 (84)
2022 (103)
2021 (42)
Funding
Current Stage
Late StageLeadership Team
René Jones
Chairman & Chief Executive Officer
Dan Saper
•Co-Founder/Co-Chairman of Welcome to M&T Bank Affinity Group, Western New York Chapter
Recent News
2025-10-07
2025-10-06
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