Senior Credit Underwriter, Equipment Finance

Overview

Credit Risk Analyst

Evaluates and determines the credit risks of larger dollar sized MTEFC (M&T Equipment Finance Corporation) loan and lease customers through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and ability to repay annual debt service.

• Review and analyze all pertinent credit and financial information for MTEFC customers seeking larger and / or more complex equipment finance loans and leases. Make decisions on loan and lease requests within assigned authority.
• Determine the need for more thorough investigation or additional information from Sales or the customer.
• Based on analyses, prepare detailed write-ups, present facts, and offer opinions concerning creditworthiness of the customer following prescribed procedures. Assign an overall risk rating to the credit request.
• Assist in monitoring compliance to credit policy; comment on risks associated with non-compliance and inform management.
• 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.
• Complete other related duties as assigned.

Not Applicable

• Education and Experience Required
  :
  Bachelor s degree and a minimum of 3 years  related work experience, or in lieu of a degree, a combined minimum of 7 years  higher education and / or work experience, including a minimum of 3 years  related work experience
• Proficiency with personal computers as well as pertinent software programs
• Strong analytical skills

• Credit training
• Strong verbal and written communication skills

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $40.15 - $66.91 Hourly (USD). The successful candidate s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location
:
Irvine, California, United States of America