Senior Credit Underwriter, Equipment Finance

M&T Bank • Irvine, CA

133d • $40 - $66

About The Position

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.

Requirements

• 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.

Nice To Haves

• Credit training.
• Strong verbal and written communication skills.

Responsibilities

• 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.

Benefits

• Competitive benefits ranging from medical and retirement to forty hours of paid volunteer time each year.

What This Job Offers

• Education Level: Bachelor's degree