Reviews, analyzes, and processes loan and lease credit applications and conducts investigations to make informed credit decisions within assigned authority; refers applications exceeding that authority to others for decisioning.
Primary Responsibilities:
Underwrite loan and lease credit applications within assigned authority and accurately record the decision in the appropriate system.
Complete credit investigations and compile routine credit information for loan and lease applications.
Prepare credit write-ups for transactions under $500 k.
Refer credit decisions above assigned authority to proper credit personnel, inclusive of a recommendation for approval or denial.
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
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:Supervisory/Managerial Responsibilities:Not Applicable
Education and Experience Required:Associate’s degree and a minimum of 3 years’ work experience, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including a minimum of 3 years’ work experience
Proven organizational skills
Proven analytical skills
Proven decision-making skills
Education and Experience Preferred:Bachelor’s degree in Finance, Accounting, Economics, or Mathematics
Minimum of 1 years’ related experience
Minimum of 1 years’ leasing experience
Formal credit training
Proven underwriting analysis skills
Good working knowledge of credit and underwriting principles and procedures
Physical Requirements:M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.76 - $41.27 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationMoberly, Missouri, United States of America