The Role
Coordinates SBA and other government-program lending documentation, servicing, purchase claims, loan modifications, and compliance reviews. Advises business banking, underwriting, sales, and special-assets teams on program requirements and deal structuring. Reviews loan files, resolves deficiencies, processes servicing actions and accounting transactions, prepares guarantee purchase requests, supports reporting, and provides training on SBA policies and procedures.
Summary Generated by Built In
Basic Function:
MANAGERIAL/SUPERVISORY RESPONSIBILITY:
MINIMUM QUALIFICATIONS REQUIRED:
IDEAL QUALIFICATIONS PREFERRED:M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America
- Under the direction of management, in line with established policies and procedures, this position coordinates and reinforces the efforts of business banking, by managing the due diligence and documentation related to government program lending.
- Focus on government program loans positioned within the Business Banking/middle market channels, and CAM Workout/Special Assets portfolios. Determine required documentation to meet all government program requirements and perfect a loan guaranty on all programs up to $5 million.
- Service loans in accordance with government policies and process and submit purchase claim submissions to the SBA on an as needed basis. Consult with underwriting, sales staff, and CAM Workout/Special Assets to determine required structuring prior to underwriting approval. May conduct training on SBA loan programs when necessary.
- May provide functional training to team members and/or assist with procedure and job aid creation and reviews.
- Accumulates, prepares, organizes, executes and submits SBA and other government program loan packages for purchase claims, charge-offs, offer in compromises, etc. Functions as the liaison with business partners and the SBA.
- Provide guidance to business partners (sales, underwriting, CAM Workout/Special Assets, centralized departments) on deal structuring and requirements prior to underwriting approval for loan modifications while ensuring compliance with internal and SBA policies.
- Conduct training sessions on SBA program requirements and policy changes.
- Works directly with various business partners and provides excellent customer service by answering questions pertaining to loan servicing and liquidation.
- Functions as liaison with sales teams or service center personnel and centralized departments to ensure that clients receive prompt and accurate service.
- Reviews loan documentation for regulatory and policy compliance, including post-closing reviews for new loans and loan modifications. Identify and resolve documentation deficiencies to ensure complete and compliant loan files.
- Coordinates efforts to process loan modifications in conjunction with government program guidelines.
- Prepares documentation requests and assesses eligibility of program. May issue approval under Banks delegated authority.
- Ensure timely and accurate reporting on government program portfolio.
- Review program and closing documentation including insurance, disbursements, and closing documentation.
- Perform accounting functions related to government programs including providing wire instructions, cashier checks, and GL account transactions.
- Processes servicing actions including changes to loans under Banks delegated authority.
- Prepare government guarantee purchase requests.
- Follows the government programs Standard Operating Procedure (SOP) as well as internal procedures.
- May conduct training on SBA loan programs when necessary.
- Other duties as assigned.
- Perform other assignments/projects as requested by 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.
- Promote an environment that supports 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.
- Small but direct impact through the quality of the tasks/service provided.
- Awareness of how the assigned duties contribute to the work of the team.
MANAGERIAL/SUPERVISORY RESPONSIBILITY:
- No supervisory responsibilities. Provides on-the-job training/support to new team members.
MINIMUM QUALIFICATIONS REQUIRED:
- Bachelor’s degree and minimum of 5-year previous SBA loan products and documentation experience required, OR in lieu of a degree, a combined minimum of 9 years’ higher education and/or work experience.
IDEAL QUALIFICATIONS PREFERRED:M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America
Skills Required
- Bachelor's degree and a minimum of 5 years of SBA loan products and documentation experience
- Alternatively, a combined minimum of 9 years of higher education and/or work experience in lieu of a bachelor's degree
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
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Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
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Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
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The Company
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
