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SBA Analyst II - 3DJ7W in Williamsville, NY at M&T Bank

Date Posted: 7/12/2018

Job Snapshot

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Job Description

Basic Function:
Prepare analyses for commercial loan applications  for submission to SBA. This includes cash flow analysis, debt to income analysis, trends & balance sheet analysis. Analysis is used to determine eligibility of applicant as well as collateral coverage for a loan request.


Essential Position Responsibilities:
Spread financial statements, interims and projections.
Review and analyze all available credit information including accounts receivable agings, credit bureau report, projections, and business plan forecasts.
Analyze and prepare income statement and balance sheet comments.
Analyze and prepare ability to pay calculations and collateral analyses.
Evaluate and comment on risk assessments including industry, company, transaction, management, and competition.
Prepare loan package for submission to the SBA ensuring all required information is included and correct.
Prepare SBA loan authorization which details terms & conditions of the loan.
Interact with loan underwriters, bank office managers, various SBA personnel and external customers throughout the process.
Service existing SBA loans which includes requests for maturity extensions, release of guaranties, release of collateral and change in rates & terms.
Failure to comply exactly with the SBA's standard operating procedure could cost the Bank its guaranty, which equates to hard money losses.


Basic Qualifications:
Bachelor's degree in Business Administration, Accounting, or Finance required.  1-4 years previous commercial or business lending experience preferred. Credit Analyst skills/experience preferred.
Position requires analytical skills with proficiency in accounting and financial statement analysis.
Results-oriented individual with strong interpersonal and presentation skills.
Excellent customer service skills
Ability to work well independently and within tight time constraints.
Well-developed verbal and written communication skills.


About M&T
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.