Credit Analyst, Equipment Finance

$56,659 - $94,432/Yr

M&T Bank - Houston, TX

Full-time - Mid Level

Houston, TX

Credit Intermediation and Related Activities

About the position

The Credit Analyst position at M&T Equipment Finance Corporation involves supporting the Equipment Finance team in managing a leasing portfolio. The role focuses on financial analysis, credit investigations, and loan submission preparation, working closely with sales managers to facilitate financing requests and ensure effective communication with management and customers.

Responsibilities

• Conduct financial statement spreads and analysis.
• Perform credit investigations and prepare loan submissions.
• Collaborate with District Sales Managers to gather necessary information for financing requests.
• Prepare and present loan submissions and risk rating analyses for management review.
• Examine financial trends, ratios, accounts receivable, inventory levels, liquidity, leverage, and cash flow.

Requirements

• Bachelor's degree required, preferably in Accounting or Finance.
• 1-2 years of commercial lending experience preferred.
• Ability to evaluate, analyze, and quantify risk and financial impact.
• Familiarity with Uniform Commercial Code and lien perfection is desirable.
• Strong written, verbal, and presentation skills for effective communication.
• Knowledge of heavy equipment financing and leasing is desirable.

Benefits

• Competitive pay based on experience and skills.