Commercial Credit Analyst, Equipment Financing

Overview

Evaluates and determines the credit risks of lower dollar amount 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.

• This position requires five days in the office* *

Primary Responsibilities

• Review and analyze all pertinent credit and financial information for MTEFC customers seeking 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 summary, 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.
• Develop credit analyses for use by lenders in making lending decisions on new credit approvals and renewals.
• 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.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• 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 2 years' relevant work experience, or in lieu of a degree, a combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' relevant work experience
• Proficiency with personal computers as well as pertinent software programs

Education and Experience Preferred

• Proven verbal and written communication skills
• Strong analytical skills

Pay and benefits

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $34.68 - $57.80 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