Senior Business Banking Underwriter | SBA & Credit Risk

M&T Bank; Buffalo (NY); On-site; USD 75,000 - 124,000; Full time

Job summary

M&T Bank in Buffalo, NY seeks a Commercial Credit professional to evaluate loan applications and adjudicate credit requests up to $500,000 using individual lending authority.

The role requires analyzing financial statements, cash flow, and credit history to structure financing that mitigates risk while supporting business growth. SBA lending knowledge and strict policy adherence are essential.

Qualifications

• Bachelor or equivalent in related field; MBA preferred.
• Minimum 5 years of commercial or business lending experience.
• Ability to analyze financial statements, tax returns, and credit reports.
• Ability to calculate business/personal cash flow to service debt; formal credit training.
• Working knowledge of Microsoft Excel and Word.

Responsibilities

• Evaluate commercial loan applications from Branch and Business Banking relationship managers.
• Analyze financial condition, cash flow and credit history to make lending decisions within authority.
• Prepare cash flow analyses for borrowers and guarantors; structure financing up to $500,000.
• Present loan requests to senior credit officers or management for decisions.
• Ensure compliance with risk controls and regulatory policies; support sales partnerships.

Skills

Credit analysis

Cash flow analysis

Excel proficiency

Communication skills

Education

Bachelor's degree

MBA preferred

Tools

nCino

Accounting systems

Microsoft Word

Job description

M&T Bank in Buffalo, NY seeks a Commercial Credit professional to evaluate loan applications and adjudicate credit requests up to $500,000 using individual lending authority.

The role requires analyzing financial statements, cash flow, and credit history to structure financing that mitigates risk while supporting business growth. SBA lending knowledge and strict policy adherence are essential.