Business Banking Underwriter II

M&T Bank Corporation; Buffalo (NY); On-site; USD 54,000 - 90,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY is seeking an experienced commercial loan/lease underwriter. The role evaluates applications from banking officers, brokers, and customers, and the bank’s underwriting guidelines guide decisions on secured and unsecured facilities.

You will assess financial condition, cash flow, and credit history, ensure compliance with banking regulations, and support senior officers with timely loan decisions and risk controls while maintaining top-tier service standards.

Qualifications

• BS in Business Administration, Accounting, or Finance preferred.
• 3-5 years previous commercial or business lending experience required.
• Working knowledge of financial statements, tax returns, and credit reports.
• Knowledge of banking regulations pertaining to credit and collection.
• Proficiency with Excel and Word.

Responsibilities

• Evaluate commercial loan/lease applications from bank officers, brokers, and customers.
• Present loan requests to senior credit officers for decisions when appropriate.
• Adhere to compliance/operational risk controls and company policies.
• Train new lending officers and junior Loan Specialists for consistency and quality.
• Assess financial condition, cash flow and credit history to support loan decisions.

Skills

Lending experience

Financial analysis

Excel

Negotiation

Communication

Education

BS in Business Administration, Accounting, or Finance

MBA desirable

Tools

Microsoft Excel

Microsoft Word

Job description

Overview:Evaluate commercial loan/lease applications received. Adjudicate new credit requests of group credit and/or renewals over $100,000.Primary Responsibilities:Evaluate commercial loan/lease applications received from banking officers, brokers, and directly from customers.Credit facilities include secured and unsecured term loans, commercial mortgages, lines of credit, letters of credit and equipment leases.Evaluate each loan applicant’s financial condition, cash flow and credit history in order to make appropriate loan decisions within individual lending authority.Understanding of governmental credit support available to small business loans (SBA programs) is required.Present loan requests to senior credit officers for decisions when appropriate.Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.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.Scope of Responsibilities:Incumbent is to ensure customer credit requests are processed in accordance with bank policy and Business Banking underwriting guidelines in a timely manner that supports the bank’s ability to deliver superior customer service. This allows the department to deliver high customer service as evidenced with a short turnaround time, which has a direct effect on the Department’s ability to meet their Service Level Agreements. Train new lending officers and junior Loan Specialists that allow for consistency and quality in the department’s operations.Supervisory/ Managerial Responsibilities:May mentor or supervise junior members of the department, as necessary.Education and Experience Required:BS in Business Administration, Accounting, or Finance preferred.3-5 years previous commercial or business lending experience required.Working knowledge of financial statements, tax returns, and credit reports. Knowledge of current banking regulations pertaining to credit and collection.Requires knowledge of Microsoft Excel and Word.Self-motivated, well-organized. Excellent verbal and written communication skills. Strong negotiation skills.Consistently maintain a high level of professionalism and service when dealing with various loan and lease sources.Ability to work under critical time constraints. Ability to function professionally at many different levels (clients, management, peers, etc)Education and Experience Preferred:MBA desirable.M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America