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M&T Bank · Irvine, CA

# Senior Credit Underwriter, Equipment Finance

Irvine, CA Senior individual contributor $41.62 - $69.36 Hour Finance & Accounting 

Listed on M&T Bank’s official careers site. Posted October 15, 2026. Check that it is still open and apply there.
[Apply on M&T Bank’s careers site →](https://mtb.wd5.myworkdayjobs.com/MTB/job/Irvine-CA/Senior-Credit-Underwriter--Equipment-Finance_R79190)

[OpenNash Jobs](https://jobs.opennash.com/) / [M&T Bank](https://jobs.opennash.com/companies/mt-bank/) / Senior Credit Underwriter, Equipment Finance

## Job description

### Overview

Evaluates and determines the credit risks of larger dollar sized MTEFC (M&T Equipment Finance Corporation) loan and lease customers through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and ability to repay annual debt service.

### Primary Responsibilities

Review and analyze all pertinent credit and financial information for MTEFC customers seeking larger and/or more complex 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 detailed write-ups, 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. 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. 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.

### Supervisory/Managerial Responsibilities

Not Applicable

### Education and Experience

Required:
- Bachelor’s degree and a minimum of 3 years’ related work 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 work experience
- Proficiency with personal computers as well as pertinent software programs
- Strong analytical skills

Preferred: Credit training Strong verbal and written communication skills #LI-LA1 Physical Requirements: M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $41.62 - $69.36 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Irvine, California, United States of America

## At a glance
- Posted by the employer: Oct 15, 2026
- First seen by OpenNash: Jul 10, 2026
- Last checked: Oct 18, 2026
- Listed for: 100 days
- Location: Irvine, CA
- Pay: $41.62 - $69.36 Hour[Apply on M&T Bank’s careers site →](https://mtb.wd5.myworkdayjobs.com/MTB/job/Irvine-CA/Senior-Credit-Underwriter--Equipment-Finance_R79190)

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Dates come from the employer where stated; “first seen” and “last checked” are our own observations.

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