M&T Bank

M&T Bank

Business Banking Senior Underwriter I

Buffalo, NY · Senior

Sponsorship not specified$75k-$124kDetected 12 hours ago
AccountingAuditingMicrosoft OfficeInternal AuditUnderwriting

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odds of building a lasting career here

50Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role90
Entry-level history0
PERM / green-card track0
Lottery odds (Level II)66
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~30% per draw at Level II). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

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Employer immigration record

from this employer's Department of Labor filings

Green-card filing pattern in this occupation

Context, not a finding about this posting: of this employer's 26 green-card filings in this occupation, 100% were for a worker who already held the job.

Green-card follow-through: 100%

Of 21 labor certifications old enough to have been used, 0 expired without the employer filing the next step. Median time from filing to decision: 488 days.100% of their filings were for a worker who already held the job.Only certifications past the 180-day window are counted — recent ones cannot have expired yet.

Files H-1B transfers

14 transfer filings in the last year, covering 14 workers. Median labor-condition decision: 235 days. An employer that already files transfers is one that can take over an existing H-1B.

Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.

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About the role

  • Serves as an experienced individual contributor within the 1st Line of Defense ("LOD"), supporting deal structuring, underwriting analysis, and ongoing portfolio monitoring responsibilities.
  • Facilitate deal screen activities between 1st LOD and 2nd LOD Credit for new requests identifying key risks, recommending appropriate mitigants, and implementing enhancements.
  • Responsible for structuring credit solutions with appropriate terms, conditions, covenants, and controls aligned with risk profile and policy.

Responsibilities

  • Underwrite and evaluate Business Banking loan applications and existing portfolio exposures, including financial statement analysis, cash flow assessment, collateral, and guarantor support.
  • Perform Continuous Credit Monitoring activities including identifying and addressing emerging risk, deteriorating credit conditions, taking proactive mitigation strategies such as restructuring or modification actions when appropriate.
  • Partner with Relationship Managers and Sales teams throughout the deal lifecycle and ongoing portfolio management.
  • Provide training, guidance, and support to junior underwriters and business partners as needed.
  • Move with urgency and maintain high standards for timeliness, accuracy, and operational effectiveness across underwriting and portfolio management responsibilities.
  • Promote an environment that supports a culture of 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.
  • Strong ability to manage change and multiple priorities.

Requirements

  • Strong ability to analyze financial statements, tax returns, and cash flow.
  • Strong partnership skills across credit and sales teams and ability to negotiate and mediate compromises
  • Proficiency in Microsoft Office tools.
  • Operates with a degree of autonomy appropriate with experience and may support exposures up to $3MM independently and/or larger relationships greater than $3MM in partnership with 2nd LOD Senior Credit Officers.
  • Proficiency in commercial underwriting (nCino) and accounting systems.

Compensation

  • The pay range for this position is $74,600.00 - $124,400.00 Annual (USD).

Company info

  • 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.
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This listing is sourced directly from M&T Bank's careers page and normalized into a canonical job model.