Christine Cetnarowski
Business Banking Senior Underwriter I - PMG - WNY region $250M & under
- Role
- Business Banking Senior Underwriter i - Pmg - Wny Region 250m & under at M&T Bank
- Location
- Buffalo, NY, US
- LinkedIn followers
- 500 followers
About Christine Cetnarowski
Have been working in the Financial Banking industry since 2001; always open to new, permanent opportunities! Dedicated/organized professional with a Bachelor\'s degree in Business Management from Point Park University. Completed formal “Commercial Credit Training Program” through Citizen’s Bank in May 2021.
Experience
Business Banking Senior Underwriter i - Pmg - Wny Region 250m & under
Jun 2025 — Present · Buffalo, NY, US
Evaluate commercial loan applications received from Branch and Business Banking relationship managers.Analyze each loan applicant\'s financial condition, cash flow, and credit history to make appropriate lending decisions.Exercise sound judgment and understanding of credit policy when rendering decisions.Prepare cash flow analysis of the business and personal guarantors using financial statements.Provide financing structures up to that mitigate risk while allowing the Bank to win additional business.Address risk on existing customer relationships by restructuring credit when appropriate.Recognize warning signs of troubled credits and take necessary actions to minimize losses.Establish collaborative partnerships with the sales team and participate in customer calls when appropriate.Understand governmental loan programs (SBA lending).Present loan requests to senior credit officers or management for decisions when appropriate.Adhere to compliance/operational risk controls in accordance with Company or regulatory standards.Maintain internal control standards, including timely implementation of audit points and issues raised by regulators.Complete other related duties as assigned.
Education
Point Park University
Bachelor's degree, Business Administration and Management, General
2007
Duff's Business Institute
Associate's degree, Business Administration and Management, General
Citizens Bank
Commercial Credit
Skills
- Banking
- Microsoft Office
- Microsoft Word
- Microsoft Excel
- Commercial Banking
- Loans
- Customer Service
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