Senior Credit Underwriter, Equipment Finance
M&T Bank
Senior Credit Underwriter, Equipment Finance
Job Description
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
Education and Experience Preferred:
Credit training
Strong verbal and written communication skills
#LI-LA1
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 AmericaLocations
- Irvine, California, United States
Salary
86,570 - 144,269 USD / yearly
86,570 - 151,482 USD / yearly
Source: Disclosed
* This is an estimated range based on market data and may vary based on experience and qualifications.
Skills Required
- Proficiency with personal computers as well as pertinent software programsintermediate
- Strong analytical skillsintermediate
Required Qualifications
- 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 (experience)
- Proficiency with personal computers as well as pertinent software programs (experience)
- Strong analytical skills (experience)
Preferred Qualifications
- Credit training (experience)
- Strong verbal and written communication skills (experience)
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.
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Answer 10 quick questions to check your fit for Senior Credit Underwriter, Equipment Finance @ M&T Bank.
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Senior Credit Underwriter, Equipment Finance
M&T Bank
Senior Credit Underwriter, Equipment Finance
Job Description
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
Education and Experience Preferred:
Credit training
Strong verbal and written communication skills
#LI-LA1
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 AmericaLocations
- Irvine, California, United States
Salary
86,570 - 144,269 USD / yearly
86,570 - 151,482 USD / yearly
Source: Disclosed
* This is an estimated range based on market data and may vary based on experience and qualifications.
Skills Required
- Proficiency with personal computers as well as pertinent software programsintermediate
- Strong analytical skillsintermediate
Required Qualifications
- 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 (experience)
- Proficiency with personal computers as well as pertinent software programs (experience)
- Strong analytical skills (experience)
Preferred Qualifications
- Credit training (experience)
- Strong verbal and written communication skills (experience)
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.
Tags & Categories
Answer 10 quick questions to check your fit for Senior Credit Underwriter, Equipment Finance @ M&T Bank.
Related Books and Jobs