LEAF Credit Underwriting Analyst

M&T Bank•Philadelphia, PA

19h•Onsite

About The Position

Reviews, analyzes, and processes loan and lease credit applications and conducts investigations to make informed credit decisions within assigned authority; refers applications exceeding that authority to others for decisioning. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

Requirements

Associate’s degree and a minimum of 3 years’ work experience, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including a minimum of 3 years’ work experience
Proven organizational skills
Proven analytical skills
Proven decision-making skills

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or Mathematics
Minimum of 1 years’ related experience
Minimum of 1 years’ leasing experience
Formal credit training
Proven underwriting analysis skills
Good working knowledge of credit and underwriting principles and procedures

Responsibilities

Underwrite loan and lease credit applications within assigned authority and accurately record the decision in the appropriate system.
Complete credit investigations and compile routine credit information for loan and lease applications.
Prepare credit write-ups for transactions under $500 k.
Refer credit decisions above assigned authority to proper credit personnel, inclusive of a recommendation for approval or denial.
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.
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.