Equipment Finance Credit Analyst

M&T Bank Corporation; Irvine (CA); On-site; USD 72,000 - 120,000; Full time

Job summary

M&T Bank Corporation in Irvine, California seeks a credit risk professional to evaluate and determine credit risks for MTEFC loan and lease customers through financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and repayment ability.

You will review credit information, decide on loan requests within authority, prepare summaries, assign risk ratings, and monitor compliance with policy while escalating issues to management.

Qualifications

• Bachelor's degree or equivalent work experience in a relevant field.
• Strong analytical and written/verbal communication skills.
• Proficiency with personal computers and pertinent software programs.

Responsibilities

• Review and analyze all pertinent credit and financial information for customers seeking equipment finance loans and leases.
• Make decisions on loan and lease requests within assigned authority.
• Determine need for more thorough investigation or additional information from Sales or the customer.
• Prepare summary, present facts, and offer opinions concerning creditworthiness following prescribed procedures.
• Assign an overall risk rating to the credit request.
• Monitor compliance to credit policy; comment on risks and inform management.
• Develop credit analyses for use by lenders in new credit approvals and renewals.
• Adhere to risk and regulatory standards, policies, and controls in line with Risk Appetite.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain internal control standards, including audit points and regulator follow-up.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Excel

Education

Bachelor's degree

2+ years relevant work experience

Job description

M&T Bank Corporation in Irvine, California seeks a credit risk professional to evaluate and determine credit risks for MTEFC loan and lease customers through financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and repayment ability.

You will review credit information, decide on loan requests within authority, prepare summaries, assign risk ratings, and monitor compliance with policy while escalating issues to management.