Senior Credit Underwriter, Equipment Finance

Overview Evaluates and determines the credit risks of larger dollar amount 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. Primary 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 summary, 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. Develop credit analyses for use by lenders in making lending decisions on new credit approvals and renewals. 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. Complete other related duties as assigned. Scope of Responsibilities Supervisory/Managerial Responsibilities: 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 and pertinent software programs. Strong analytical skills. Education and Experience Preferred Credit training. Strong verbal and written communication skills. Familiarity with pertinent Bank systems. Physical Requirements and Compensation M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $39.47 - $65.78 hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Houston, Texas, United States of America Equal Employment Opportunity M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. #J-18808-Ljbffr