PUEFC Credit Analyst FIF

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

Overview

Evaluates and determines the credit risks of lower 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 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.
• 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

Supervisory/Managerial Responsibilities: Not Applicable

Education and Experience Required

• Bachelor’s degree and a minimum of 2 years’ relevant work experience, or in lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ relevant work experience.
• Proficiency with personal computers as well as pertinent software programs.

Education and Experience Preferred

• Proven verbal and written communication skills.
• Strong analytical skills.

Physical Requirements

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $34.68 - $57.80 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Physical Requirements:

Location

Irvine, California, United States of America

Company Information

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities- combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values - integrity, ownership, collaboration, curiosity, and candor - drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

Equal Opportunity Employment Statement

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.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.