Senior Business Banking Underwriter - Credit Risk & Growth

M&T Bank; Buffalo (NY); Sur place; USD 75 000 - 124 000; Plein temps

Résumé du poste

M&T Bank is seeking an experienced credit underwriter for Business Banking in Buffalo, NY. You will evaluate loan applications, monitor portfolio risk, and structure credit solutions while ensuring adherence to policy and controls.

The role requires strong financial analysis, communication skills, and collaboration with relationship managers. Opportunity to contribute to risk management and underwriting quality across the deal lifecycle.

Qualifications

• Bachelor’s degree and minimum of 3 years of commercial or business banking credit underwriting experience.
• Strong ability to analyze financial statements, tax returns, and cash flow.
• Demonstrated ability to support underwriting and management of commercial credit relationships.
• Effective written and verbal communication.
• Strong partnership skills across credit and sales teams and ability to negotiate and mediate compromises.
• Develop and support credit recommendations.
• Self-motivated with the ability to manage workload and make decisions independently with minimal oversight.

Responsabilités

• Underwrite and evaluate Business Banking loan applications and existing portfolio exposures, including financial statement analysis, cash flow assessment, collateral, and guarantor support.
• Perform Continuous Credit Monitoring activities including identifying and addressing emerging risk, deteriorating credit conditions, taking proactive mitigation strategies such as restructuring or modification actions when appropriate.
• Facilitate deal screen activities between 1st LOD and 2nd LOD Credit for new requests identifying key risks, recommending appropriate mitigants, and implementing enhancements.
• Responsible for structuring credit solutions with appropriate terms, conditions, covenants, and controls aligned with risk profile and policy.
• Prepare clear and well-supported underwriting analyses, including assessment of credit quality, risk ratings, and policy compliance.
• Partner with Relationship Managers and Sales teams throughout the deal lifecycle and ongoing portfolio management.
• Ensure adherence to credit policy, regulatory expectations, and internal control standards, including documentation of exceptions and mitigation strategies.
• Participate in process and quality improvement initiatives to enhance underwriting consistency and effectiveness.
• Provide training, guidance, and support to junior underwriters and business partners as needed.

Connaissances

Financial analysis

Cash flow analysis

Written communication

Verbal communication

Microsoft Office

Formation

Bachelor’s degree

MBA

Outils

nCino

Accounting systems

Description du poste

M&T Bank is seeking an experienced credit underwriter for Business Banking in Buffalo, NY. You will evaluate loan applications, monitor portfolio risk, and structure credit solutions while ensuring adherence to policy and controls.

The role requires strong financial analysis, communication skills, and collaboration with relationship managers. Opportunity to contribute to risk management and underwriting quality across the deal lifecycle.