M&T Bank · 1 day ago
Business Banking Underwriter III
Buffalo, NY
Full-time
Hybrid
Mid, Senior Level
$62K/yr - $104K/yr
4+ years expM&T Bank is a financial institution seeking a Business Banking Underwriter III to evaluate and manage credit risks for complex Business Banking relationships. The role involves underwriting new requests, continuous credit monitoring, and ensuring compliance with credit policies while working closely with relationship managers.
Financial Services
Responsibilities
Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval
Manage the ongoing credit risk of existing loans through continuous credit monitoring activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating on annual reviews, PLRs, and interim event memos
Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal history, industry research and peer data
Analyze financial information and related materials and prepare the credit analyses for large Business Banking Relationships >$3MM. Written analyses to include an independent credit quality assessment with well supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, cash flow, collateral analysis, and guarantor assessments
Assist in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral, and guarantors
Partner proactively with relationship managers and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction
As the 1st Line of Defense (LOD) credit representative on the deal team, prepare summary, present facts, answer questions, and offers opinions and recommendations concerning creditworthiness to 2nd LOD Credit Officers
Ensure credit policy compliance by verifying adherence of underwriting to M&T Bank's Credit Policy and commenting on any risk and mitigants associated with non-compliance
Develop an understanding of governmental loan programs (SBA lending)
Provide credit training to new Business Credit Center team members and Business Banking Sales as needed
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
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
Complete other related duties as assigned
Qualification
Required
Bachelors in related field or in lieu of a degree, equivalent in experience (# yrs of education = # yrs of work experience) in a related field
Minimum of 4 years previous consumer, commercial or business lending experience
Ability to analyze and understand financial statements, business and personal tax returns, as well as credit reports
Ability to properly calculate business and personal cash flow to determine the ability to service debt
Working knowledge of Microsoft Excel and Word
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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