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About the Role
Evaluate commercial loan applications received from the Business Banking sales team. Adjudicate new and/or annual review credit requests with group credits up to $500,000 using individual lending authority.
Responsibilities
- Evaluate commercial loan applications received from Branch and Business Banking relationship managers.
- Analyze each loan applicant’s financial condition, cash flow and credit history to make an appropriate lending decision within the individual lending authority of $500,000.
- Exercise sound judgment and understanding of credit policy, as well as the Business Banking credit philosophy when rendering a decision.
- Prepare cash flow analysis of the business and personal guarantors using financial statements.
- Provide financing structures up to $500,000 to the Bank’s customers and prospects that mitigate risk, while allowing the Bank to win additional business.
- Effectively address risk on existing customer relationships by properly restructuring credit when appropriate.
- Recognize warning signs of troubled credits and take necessary action to minimize losses.
- Establish collaborative partnerships with the sales team, including participation in customer calls when appropriate.
- Present loan requests to senior credit officers or management 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.
- Complete other related duties as assigned.
- Ensure credit requests are underwritten in accordance with Bank policy and Business Banking underwriting guidelines in a timely manner.
- Work closely with the sales team to understand the borrower’s business model and identify specific loan purpose.
- Effectively communicate the rationale for a loan decision to the sales team in a diplomatic and professional manner.
- Judgmentally decision complex loan requests, with significant latitude to determine structure, terms and loan conditions for a lending relationship.
- Identify industry risks for the bank’s customers across numerous business segments and structure the loan relationship appropriately based on that risk.
- Provide training to new Business Credit Center team members, as well as to the Business Banking and Branch sales teams.
Requirements
- Bachelors in a related field or equivalent experience in a related field.
- Minimum of 5 years previous commercial or business lending experience required.
- Ability to analyze and understand financial statements, business and personal tax returns, as well as credit reports.
- Ability to properly calculate business and personal cash flow to determine the ability to service debt.
- Formal credit training.
- Working knowledge of Microsoft Excel and Word.
- An understanding of governmental loan programs (SBA lending) is required.
Skills
- Financial analysis
- Cash flow analysis
- Credit analysis
- Risk assessment
- Loan structuring
- Communication
- Interpersonal skills
- Problem-solving
- Microsoft Excel
- Microsoft Word
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
Experience Level
- 5+ years
Education Level
- Bachelors degree
- MBA Preferred
Salary/Compensations
- $74,600.00 - $124,400.00
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.