divh2Credit Underwriter/h2pReviews, analyzes, and processes loan and lease credit applications and conducts credit investigations to make informed credit decisions within assigned authority; refers applications exceeding that authority to others for decisioning. Works in partnership with Sales in communicating with origination source, obligor, accounting firms, banks, etc. Works with Sales to explain credit decisions and/or transaction structure. Recommends risk ratings based on the utilization of the Banks Probability of Default and Loss Given Default scorecards. Writes more detailed credit memos which address anticipated information needs for management decisioning of higher transaction amounts./ph3Primary Responsibilities:/h3pUnderwrite loan and lease credit applications within assigned authority and accurately record the decision in the appropriate system./ppRefer credit decisions above assigned authority to proper credit personnel, inclusive of a recommendation for approval or denial. Ensure all credit recommendations have been approved by the proper level of credit authority./ppPrepare credit-write ups for transactions with total exposure between $1.0 mm and $2.0 mm, routinely including the review of borrowers financial statements (which can include 10K and 10Q reports) and/or tax returns that require use of financial spreadsheets to properly analyze financial condition and cash flow. Search public databases to obtain debt ratings, financial statements, and other information as needed./ppAssign appropriate risk ratings to customers according to parameters outlined in Credit Policy./ppReview collateral descriptions, vendor qualifications and experience with the business and recommend appropriate structure and credit action as part of comprehensive credit write-up./ppEnsure activities adhere to Credit Policy, including identification of reportable and non-reportable policy exceptions, as well as other Bank policies and external regulations./ppDetermine total business credit exposure and review current and past schedules held with the business to determine potential credit concerns related to payment delinquencies./ppPrepare annual reviews for existing borrowers with exposure greater than $750 m on a quarterly basis and inclusive of a review of updated financial statements and evaluation of assigned risk ratings./ppCommunicate with Sales to provide explanations of investment decisions and/or transaction structure as needed./ppDevelop and maintain a sound understanding of the inherent sensitivities with vendor, major account, and end user relationships, while managing credit risk; escalate concerns to management as required./ppPresent analyses and/or address questions during credit request discussions or committee presentations as requested./ppUnderstand and adhere to the Companys risk and regulatory standards, policies, and controls in accordance with the Companys Risk Appetite. Identify risk-related issues needing escalation to management./ppPromote an environment that supports belonging and reflects the MT Bank brand./ppMaintain MT internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable./ppComplete other related duties as assigned./ph3Supervisory/Managerial Responsibilities:/h3pNot Applicable/ph3Education and Experience Required:/h3pBachelors degree and a minimum of 3 years related 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 experience./ppStrong organizational skills./ppStrong analytical skills./ppStrong decision-making skills./ppStrong verbal and written communication skills./ppProven presentation skills./ppGood working knowledge of credit and underwriting principles and procedures./ph3Education and Experience Preferred:/h3pBachelors degree in Finance, Accounting, Economics, or Mathematics./ppMinimum of 5 years related experience./ppFormal credit training./ppLeasing industry experience./ppWorking knowledge of other related departments within the business./ppComplete knowledge and understanding of business credit policies and procedures./ph3Physical Requirements:/h3pGeneral office environment./ppGeneral office equipment./ppMT Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $38.07 - $63.45 Hourly (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation./ppLocation: Philadelphia, Pennsylvania, United States of America/p/div