**Overview:** Ensure that the quality of the Bank's commercial portfolio, existing business and new opportunities in the business segments align with the Bank's risk appetite and meet appropriate return levels. **Primary Responsibilities:** Decision credit requests using designated approval authority, including new business, renewals, amendments, waivers, and modifications for supported business lines. Review early stage business opportunities for prospects or for existing clients, providing insights as to risks, factors to be considered, additional information needed for decisioning, structuring changes, creative solutions, etc. Ensure appropriate product/industry specialties are involved as a means of promoting sound underwriting. Role provides 2nd line ownership of credit risk for a large portfolio representing 25% or more the Bank’s entire Commercial portfolio. Ongoing communication of our evolving risk tolerance with both 1st and 2nd line colleagues is a critical success factor. Serve as a permanent voting member in Senior Loan Committee, the Bank’s highest credit approval committee. Operate as Chair of regional Manager Loan Committee(s). Review deteriorating credit situations with the objective of balancing loss mitigation with client management. Participate in quarterly criticized asset meetings. Review daily overdraft reports, monthly past due credits, credit down/grades/upgrades, asset based field exam results, and all other administrative reporting to ensure that credits are being managed within Bank risk appetite. Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. Participate in committees that enhance the development of Bank's risk management infrastructure. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. 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. **Scope of Responsibilities:** Role covers the full breadth of M&T’s Middle Market commercial banking portfolio, representing the core of the Community Banking franchise. Considering that lending areas and credit work as a team to build long-standing, profitable relationships, credit’s role is to provide timely decisioning and creative solutions to commercial business opportunities/problems – from decisioning loan requests, covenant modifications, overdrafts, and credit proposals, to identifying problem credit situations. Requires expertise across a broad spectrum of industries and lending structures. The impact and scope of these activities impacts all of the business areas supported, the development of broader relationships with clients, and directly impacts the profitability of the Bank. **Supervisory/ Managerial Responsibilities:** Manages a team of 3 - 5 managing Senior Credit Officers, who in turn manage a similar number of Senior Credit Officers **Education and Experience Required:** Bachelor's degree and minimum of 15 years commercial lending experience including line customer contact responsibilities as RM and/or Unit Manager with credit decisioning and 7 years of management experience OR in lieu of a degree, a combined minimum of higher education and/or work experience including 19 years commercial lending experience including line customer contact responsibilities as RM and/or Unit Manager with credit decisioning and7 years of management experience. Proficiency with personal computers-word processing, spreadsheet and email software. Strong interpersonal skills. Ability to provide leadership in a consensus driven environment. In-depth knowledge of industries and businesses served, and need to stay continually informed about U.S. and global business trends, other corporations' competing products, etc. in order to better assess risks and opportunities. Ability to define creative solutions relative to credit structures/opportunities. **Education and Experience Preferred:** MBA or MS. 20 years credit decisioning role in business line supported Demonstrated leadership experience in 1st Line Knowledge of Bank’s policies and government relations. Ability to act independently and to make/enforce difficult decisions. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $157,495.91 - $292,492.42 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.