Business Banking Underwriter II

Overview: Evaluate commercial loan/lease applications received. Adjudicate new credit requests of group credit and/or renewals over $100,000. Primary Responsibilities: 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. Evaluate each loan applicants financial condition, cash flow and credit history in order to make appropriate loan decisions within individual lending authority. Understanding of governmental credit support available to small business loans (SBA programs) is required. 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. 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. Scope of Responsibilities: Incumbent is to ensure customer credit requests are processed in accordance with bank policy and Business Banking underwriting guidelines in a timely manner that supports the banks ability to deliver superior customer service. This allows the department to deliver high customer service as evidenced with a short turnaround time, which has a direct effect on the Departments ability to meet their Service Level Agreements. Train new lending officers and junior Loan Specialists that allow for consistency and quality in the departments operations. Supervisory/ Managerial Responsibilities: May mentor or supervise junior members of the department, as necessary. Education and Experience Required: BS in Business Administration, Accounting, or Finance preferred. 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. Self-motivated, well-organized. Excellent verbal and written communication skills. Strong negotiation skills. Consistently maintain a high level of professionalism and service when dealing with various loan and lease sources. Ability to work under critical time constraints. Ability to function professionally at many different levels (clients, management, peers, etc) Education and Experience Preferred: MBA desirable. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, 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 peoples lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&Ts affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Banks 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 communitiescombining 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&Ts Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. 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. Career Site Privacy Notice