Senior Credit Underwriter, Equipment Finance

M&T Bank Corporation; Irvine (CA); Presencial; USD 57.000 - 96.000; Jornada completa

Descripción de la vacante

M&T Bank Corporation in Irvine, CA is seeking a Credit Risk Analyst to evaluate large equipment finance loan and lease requests, analyzing financial statements, industry factors, and cash flow to determine repayment ability.

You will review applications, decide on requests within authority, prepare written analyses, assign risk ratings, and help ensure compliance with internal policies and regulatory standards.

Formación

• Bachelor’s degree and a minimum of 3 years’ related work experience, or a combined 7 years of higher education/work experience with 3 years in related work.
• Proficiency with personal computers and pertinent software programs.
• Strong analytical skills and ability to communicate clearly (verbal and written).

Responsabilidades

• Review and analyze credit and financial information for larger equipment finance loans and leases.
• Make decisions on loan/lease requests within assigned authority.
• Prepare detailed write-ups and present facts and opinions on creditworthiness.
• Assign an overall risk rating to credit requests.
• Monitor compliance to credit policy and report risks to management.
• Adhere to risk, regulatory standards, policies, and internal controls.

Conocimientos

Analytical skills

Verbal and written communication

PC proficiency and software

Educación

Bachelor's degree + 3+ years related experience

Credit training (preferred)

Descripción del empleo

Overview:

Evaluates and determines the credit risks of larger dollar sized 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 larger and/or more complex 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 detailed write-ups, 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.


• 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.


• 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.

Supervisory/Managerial Responsibilities:

Not Applicable

Education and Experience Required:

• Bachelor’s degree and a minimum of 3 years’ related work experience, or in lieu of a degree, a combined minimum of 7 years’ higher education and/or work experience, including a minimum of 3 years’ related work experience


• Proficiency with personal computers as well as pertinent software programs.


• Strong analytical skills.


• Strong verbal and written communication skills.

Education and Experience Preferred:

• Credit training.

Physical Requirements:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $41.62 - $69.36 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location:

Irvine, California, United States of America

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.

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.