Business Banking Underwriter I

Primary Responsibilities

• Evaluate commercial loan/lease applications received primarily through branch network channel (and potentially via our online channel assuming future functionality).
• 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.
• Initiate and process credit requests in credit system for underwriters.
• Interact with loan underwriters, bank office managers, various SBA personnel, and external customers throughout the underwriting process.
• Research M&T Bank systems for the status of loan and deposit accounts, and enter into the credit system.

Scope of Responsibilities

• Ensure customer credit requests are processed in accordance with bank policy, compliance and Business Banking underwriting guidelines in a timely manner that supports the bank’s ability to deliver superior customer service.
• Deliver high customer service as evidenced with a short turnaround time, which has a direct effect on the Department’s ability to meet its Service Level Agreements.

Education and Experience Required

• Bachelor’s degree in Business Administration and one year commercial or business banking underwriting or related credit processing experience.
• In lieu of a degree, a combined minimum of 5 years higher education and/or work experience to include one year commercial or business banking underwriting or related credit processing experience.

Education and Experience Preferred

• Working knowledge or financial statements, tax returns, and credit reports.
• Requires knowledge of Microsoft Excel and Word.
• Self-motivated, well organized and positive demeanor.
• Strong verbal and written communication skills coupled with attractive negotiation skills.
• Ability to work under critical time constraints.
• Ability to function professionally at many different levels (clients, management, peers, etc).
• Consistently maintain a high level of professionalism and service when dealing with various loan and lease sources.

Pay

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.87 - $41.45 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.