Overview: A Lease Transaction Analyst II (LTA II) is responsible for coordinating, documenting and initiating the funding process for a variety of commercial equipment lease/loan products. They assist the sales staff and other internal customers in finding ways to structure and document transactions, which are usually customized for each customer based on equipment type. This must be done in a manner that adheres to the Bank’s internal operations, credit and pricing policies, ensuring that the Bank’s legal interests and profitability are protected. These transactions are within the M&T footprint and/or with the National Division and transactional portfolio customers. Transactions include Conditional Sale Contracts (CSC -Dollar Buyout), First Amendment leases, Tax/FMV (Fair Market Value) leases, Small Ticket leases, Municipal/Escrow leases, loans and the Master documents for each lease and loan type with commercial and municipal customers. Primary Responsibilities: A LTA II must understand and adhere to the Bank’s risk and regulatory standards, policies and controls in accordance with the Bank’s Risk guidelines and procedures. They must also identify these risk-related issues and escalate them to management when necessary. They must have the ability to problem solve, understand the various products, and some legal documents, as well as have the ability to comprehend more advanced legal documents with guidance. They will work independently; seek advice and guidance when appropriate. They must be able to make changes to documents within the context of their knowledge, experience and authority level and recommend process changes to their manager and others within the group as necessary. A LTA II must have the ability to coordinate all aspects/functions for commercial and municipal customers to document Conditional Sale Contracts (CSC -Dollar Buyout), First Amendment leases, Tax/FMV (Fair Market Value) leases, Small Ticket leases, Municipal /Escrow leases, Sublease agreements, loans and the Master documents for each lease and loan type. LTA II has knowledge to support participations/syndications that may include aircraft, rail, and solar/renewable energy projects. This process includes reviewing/interpreting credit approvals and understanding the many requirements necessary for the documentation and funding processes to complete these transactions. LTA’s will assist with legal document negotiations depending on work experience and familiarity with the documents. They will work with both internal and external counsel to incorporate the requested changes into the documents and/or explain to the customer why the change could not be made. They must be able to review and approve standard transaction documents for funding and provide guidance to the team for non-standard/unique scenarios. They need to have strong customer service skills with the ability to respond to internal and external customers on a daily basis. They will seek answers to customer questions and resolve their problems in a timely and accurate manner in order to contribute to customer retention and expansion of customer relationship. Communication with other departments within the Bank as well as third party vendors in order to obtain additional required information to support these efforts is necessary. A LTA II is a resource to others in the group on product knowledge and procedures. They will contribute to team success by implementing solutions under guidance, lead team discussions, build procedures with their manager’s input and learn and share relevant information with the documentation team to achieve their individual and team goals, which includes working overtime during peak periods. They must have the ability to manage stress and keep matters in perspective. He/she will participate in an environment that supports diversity and reflects the M&T Bank brand. Complete annual compliance training and other required training classes. Complete other related duties as assigned. Light travel required for internal meetings and customer visits. Individual will be authorized by their manager to approve variances for pricing exceptions under certain circumstances. Scope of Responsibilities: This position is critical in the day to day operation of the business. The transaction analyst works directly with borrowers, third party vendors and internal/external customers and counsel.. This requires a strong knowledge of the leasing business, tax rules, legal issues and accounting rules and insurance requirements applicable to leasing while navigating multiple computer systems to process transactions. The incumbent works with uncertainty, constantly changing legal, tax and accounting rules and must be able to make discretionary decisions based on knowledge and past experience. The position is responsible for owning/participating in a customer relationship while providing a positive customer experience and a strong level of expertise to help ensure all leases/loans are managed smoothly. Supervisory/ Managerial Responsibilities: None. Education and Experience Required: A LTA II must have a bachelor’s degree with 3 years customer service experience in related field or a minimum of 5 years of applicable experience. They must have strong verbal and professional written communication skills and the interpersonal skills necessary to interact with internal/external legal counsel and internal/external customers including all levels of management. They must have strong problem solving skills, decision making skills and interpersonal relationship skills with the ability to work in diverse, collaborative and open environment. A LTA II must have the ability to assess ideas and gain support and commitment from others in order to adhere to the Bank’s credit policies and conform to all lease and loan approval requirements and make sure that the Bank’s interests are protected while assisting the sales staff and other internal customers in finding ways to structure and document transactions within the Bank’s risk profile and profitability model. A LTA II is a highly motivated, detail-oriented self-starter, well organized and has the ability to manage, prioritize, and work on multiple complex projects/tasks every day while assisting with the training of less experienced staff and being a subject matter expert on certain types of transactions. They must have a thorough knowledge of computer systems, leasing products, workflow management software and the Microsoft Office Suite of products. Education and Experience Preferred: Bachelor’s degree in business, accounting, English, Law, Tax. Experience in Leasing, Finance, Banking Mortgage Company or Legal environment. A thorough knowledge of documentation flow software. The ability to maintain a positive and professional demeanor in stressful situations. Notary Public helpful. Physical Requirements: Ability to sit and work for long periods of time. Ability to work on a computer for long periods of time. #LI-LP1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $50,004.67 - $80,007.48 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Rochester, New York, United States of America At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000 employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. Competitive compensation Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO 401(k) match at 5% with options for Roth and discretionary employer contributions A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts We need you. Are you ready to join us? Apply today to start the journey. If you are unable to apply through this site due to technical issues or are in need of an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.