Senior Credit Underwriter — Large-Deal Finance & Risk

M&T Bank Corporation; Irvine (CA); On-site; USD 57,000 - 96,000; Full time

Job summary

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.

Qualifications

• 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).

Responsibilities

• 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.

Skills

Analytical skills

Verbal and written communication

PC proficiency and software

Education

Bachelor's degree + 3+ years related experience

Credit training (preferred)

Job description

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.