Business Banking Underwriter II

Evaluate commercial loan/lease applications received. Adjudicate new credit requests of group credit and/or renewals over $100,000.

• →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 applicant’s 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.

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 bank’s 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 Department’s ability to meet their Service Level Agreements. Train new lending officers and junior Loan Specialists that allow for consistency and quality in the department’s operations.

May mentor or supervise junior members of the department, as necessary.

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)

MBA desirable.