M&T Bank
Finance
BusinessBankingUnderwriterII
“Business Banking Underwriter II at M&T Bank. Skills: Commercial lending, Underwriting, Credit analysis, Risk assessment. Evaluate commercial loan/lease applications received from banking officers, brokers, and directly from customers.. Credit facilities include secured and unsecured term loans, commercial mortgages, lines of credit, letters of credit and equipment leases.”
What You'll Achieve.
Deliver superior customer service; Short turnaround time for loan processing; Meet Department’s Service Level Agreements
Industry & Context.
What They're Looking For.
Must Have
3-5 years previous commercial or business lending experience required, Working knowledge of financial statements, tax returns, and credit reports, Knowledge of current banking regulations pertaining to credit and collection, Requires knowledge of Microsoft Excel and Word, Understanding of governmental credit support available to small business loans (SBA programs) is required
Nice to Have
BS in Business Administration, Accounting, or Finance preferred, MBA desirable
What You'll Do.
Evaluate commercial loan/lease applications received from banking officers
and directly from customers.
Credit facilities include secured and unsecured term loans
letters of credit and equipment leases.
Evaluate each loan applicant’s financial condition
cash flow and credit history in order to make appropriate loan decisions within individual lending authority.
Present loan requests to senior credit officers for decisions when appropriate.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
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.
Ensure customer credit requests are processed in accordance with bank policy and Business Banking underwriting guidelines in a timely manner that supports the bank’s ability to deliver superior customer service.
Train new lending officers and junior Loan Specialists that allow for consistency and quality in the department’s operations.
How You'll Work.
Team & Collaboration
Work with banking officers, brokers, and customers.; Present loan requests to senior credit officers.; Mentor or supervise junior members of the department, as necessary.; Train new lending officers and junior Loan Specialists.
Communication Scope
Excellent verbal and written communication skills; negotiation skills
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