Stephen Cummings is a seasoned financial professional with extensive experience in credit risk management and banking. Currently serving as Senior Vice President and Senior Credit Officer at M&T Bank since May 2011, Stephen has held various positions within the organization, including Middle Market Credit Officer and Business Banking Credit Officer. Prior to M&T Bank, Stephen worked at Wilmington Trust as a Credit Policy/Dealer Sales Credit Officer and served as CFO/Chief Credit Officer at CAG Truck Capital. Stephen's career began at PNC Financial Services and Fidelity Bank, where roles included Credit Admin and Leasing Officer. Stephen holds a Bachelor of Science degree in Accounting from Rider University, earned between 1979 and 1983.