Commercial Credit Analyst, Equipment Finance at M&T Bank

Irvine, California, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Equipment FinanceIndustries

Requirements

Bachelor’s degree and a minimum of 2 years’ relevant work experience, or in lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ relevant work experience
Proficiency with personal computers as well as pertinent software programs
Proven verbal and written communication skills (preferred)
Strong analytical skills (preferred)

Responsibilities

Review and analyze all pertinent credit and financial information for MTEFC customers seeking equipment finance loans and leases
Make decisions on loan and lease requests within assigned authority
Determine the need for more thorough investigation or additional information from Sales or the customer
Based on analyses, prepare summary, present facts, and offer opinions concerning creditworthiness of the customer following prescribed procedures
Assign an overall risk rating to the credit request
Assist in monitoring compliance to credit policy; comment on risks associated with non-compliance and inform management
Develop credit analyses for use by lenders in making lending decisions on new credit approvals and renewals
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

Skills

Key technologies and capabilities for this role

financial statement analysiscredit risk assessmentcash flow analysiscollateral valuationindustry assessmentloan analysislease analysisrisk ratingcredit policy complianceExcelpersonal computers

Questions & Answers

Common questions about this position

What is the pay range for the Commercial Credit Analyst position?

The pay range for this position is $33.96 - $56.60 Hourly (USD), with the specific compensation informed by the candidate’s knowledge, skills, and experience.

Is this Commercial Credit Analyst role remote or on-site?

This information is not specified in the job description.

What education and experience are required for this role?

A Bachelor’s degree and a minimum of 2 years’ relevant work experience are required, or in lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience, including a minimum of 2 years’ relevant work experience. Proficiency with personal computers and pertinent software programs is also required.

What skills are preferred for the Commercial Credit Analyst position?

Proven verbal and written communication skills and strong analytical skills are preferred.

Where is the Commercial Credit Analyst position located?

The position is located in Irvine, California, United States of America.

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters

1993Year Founded

IPOCompany Stage

Financial ServicesIndustries

10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.

Integration challenges from the United Bank merger may disrupt operations.

Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.

The bank offers a wide range of traditional and digital banking services.

Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.

Decreased prime rate may attract more borrowers, increasing loan volume.

Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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