**Overview:**

Evaluates and determines the credit risks of lower dollar amount 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 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 summary, 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 man...