M&T Bank · 2 weeks ago
Equipment Finance Credit Underwriter
United States
Full-time
Remote
Mid, Senior Level
$35.88/hr - $59.80/hr
3+ years expM&T Bank is a financial institution seeking an Equipment Finance Credit Underwriter. The role involves reviewing and processing loan and lease credit applications, conducting credit investigations, and collaborating with Sales to explain credit decisions and transaction structures.
Financial Services
Responsibilities
Underwrite loan and lease credit applications within assigned authority and accurately record the decision in the appropriate system
Refer credit decisions above assigned authority to proper credit personnel, inclusive of a recommendation for approval or denial. Ensure all credit recommendations have been approved by the proper level of credit authority
Prepare credit-write ups for transactions with total exposure between $1.0 mm and $2.0 mm, routinely including the review of borrower’s financial statements (which can include 10K and 10Q reports) and/or tax returns that require use of financial spreadsheets to properly analyze financial condition and cash flow. Search public databases to obtain debt ratings, financial statements, and other information as needed
Assign appropriate risk ratings to customers according to parameters outlined in Credit Policy
Review collateral descriptions, vendor qualifications and experience with the business and recommend appropriate structure and credit action as part of comprehensive credit write-up
Ensure activities adhere to Credit Policy, including identification of reportable and non-reportable policy exceptions, as well as other Bank policies and external regulations
Determine total business credit exposure and review current and past schedules held with the business to determine potential credit concerns related to payment delinquencies
Prepare annual reviews for existing borrowers with exposure greater than $750 m on a quarterly basis and inclusive of a review of updated financial statements and evaluation of assigned risk ratings
Communicate with Sales to provide explanations of investment decisions and/or transaction structure as needed
Develop and maintain a sound understanding of the inherent sensitivities with vendor, major account, and end user relationships, while managing credit risk; escalate concerns to management as required
Present analyses and/or address questions during credit request discussions or committee presentations as requested
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
Qualification
Required
Bachelor's degree and a minimum of 3 years' related experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' related experience
Strong organizational skills
Strong analytical skills
Strong decision-making skills
Strong verbal and written communication skills
Proven presentation skills
Good working knowledge of credit and underwriting principles and procedures
Preferred
Bachelor's degree in Finance, Accounting, Economics, or Mathematics
Minimum of 5 years' related experience
Formal credit training
Leasing industry experience
Working knowledge of other related departments within the business
Complete knowledge and understanding of business credit policies and procedures
Company
M&T Bank
Great companies have an enduring sense of purpose.
10001+ employees
H1B Sponsorship
M&T Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (116)
2024 (113)
2023 (84)
2022 (103)
2021 (42)
Funding
Current Stage
Late StageLeadership Team
René Jones
Chairman & Chief Executive Officer
Dan Saper
•Co-Founder/Co-Chairman of Welcome to M&T Bank Affinity Group, Western New York Chapter
Recent News
2025-10-07
2025-10-06
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