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About the Role
Evaluate commercial loan/lease applications and adjudicate new credit requests or renewals over $100,000.
Responsibilities
- Evaluate commercial loan/lease applications from banking officers, brokers, and customers.
- Assess applicant financial condition, cash flow, and credit history for loan decisions.
- Understand governmental credit support for small business loans (SBA programs).
- Present loan requests to senior credit officers when necessary.
- Adhere to compliance and operational risk controls.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain internal control standards and implement audit points.
- Complete other assigned duties.
- Ensure customer credit requests are processed per bank policy and underwriting guidelines.
- Train new lending officers and junior Loan Specialists.
Requirements
- 3-5 years previous commercial or business lending experience.
- 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 and well-organized.
- Consistently maintain a high level of professionalism and service.
- Ability to work under critical time constraints.
- Ability to function professionally at many different levels.
Skills
- Excellent verbal and written communication skills.
- Strong negotiation skills.
Location
- Buffalo, New York, United States of America
Work Type
- 4 days per week in office
Experience Level
- 3-5 years
Education Level
- BS in Business Administration, Accounting, or Finance preferred
- MBA desirable
Salary/Compensations
- $26.00 - $43.34 Hourly (USD)
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.