Senior Credit Underwriter, Equipment Finance

M&T Bank • Irvine, CA

9d • $42 - $69 • Onsite

About The Position

Evaluates and determines the credit risks of larger-dollar and more complex M&T Equipment Finance Corporation (MTEFC) loan and lease customers through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and evaluation of the ability to repay annual debt service. The position requires five days in-office.

Requirements

• Bachelor’s degree and a minimum of 3 years of related work experience; or, in lieu of a degree, a combined minimum of 7 years of higher education and/or work experience, including a minimum of 3 years of related work experience.
• Proficiency with personal computers and pertinent software programs.
• Strong analytical skills.

Nice To Haves

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

Responsibilities

• Review and analyze pertinent credit and financial information for MTEFC customers seeking larger and/or more complex equipment finance loans and leases, and make decisions within assigned authority.
• Determine whether a more thorough investigation or additional information from Sales or the customer is needed.
• Prepare detailed credit write-ups based on analyses, present relevant facts, offer opinions concerning customer creditworthiness following prescribed procedures, and assign an overall risk rating to the credit request.
• Assist in monitoring compliance with 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 requiring escalation to management.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
• Complete other related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior