Consumer Credit Representative IV- Buffalo NY

Overview:

Evaluate complex and/or high-risk consumer loan applications for the extension of credit, ensuring a quality loan portfolio. Manage staff to ensure that proper loan decisions are made and underwriting guidelines followed.

This position offers a flexible shift schedule, with working hours available from 9:00 AM to 6:00 PM, 10:00 AM to 7:00 PM, or 11:00 AM to 8:00 PM. The role also requires availability to work Saturdays and holidays as needed.

• Consumer lending and underwriting experience required, including evaluating moderate to complex and higher-risk loan applications.
• Proven ability to independently assess creditworthiness, analyze financial information, and make sound lending decisions within established authority limits.
• Experience reviewing indirect lending applications received through dealers, brokers, vendors, and business partners.

Primary Responsibilities:

• Evaluate complex and/or high-risk consumer loan applications for the extension of credit, ensuring a quality loan portfolio.
• Manage staff to ensure that proper loan decisions are made and underwriting guidelines followed.
• Supervise and communicate credit procedures, providing advice, guidance, and work direction, and train credit representatives and supervisors to ensure proper loan decisions are made and guidelines followed.
• Assist in the final determination of loan decisions, recommending credit decisions to Senior Management when warranted.
• Communicate, build, and maintain relationships with dealers and brokers.
• Manage assigned region, including workflow, credit decisions, and employee development/evaluation.
• Exercise override authority.
• Develop/implement credit procedures and monitor efficiency, making recommendations and modifications when appropriate.
• Maintain professional etiquette and adhere to Privacy Act Guidelines.
• Understand and apply regulatory compliance issues in relation to Reg. B, HMDA, Adverse Action, Fair Lending and Fraud Procedures.
• Participate in future planning, solutions, and acquisitions.
• Perform other duties as requested by management.
• Primarily support loans sourced through Indirect channels such as car and boat dealerships, requiring regularly working weekend or evening hours to support these dealerships

Scope of Responsibilities:

Exercise lending authority to $200,000. Works under limited supervision.

Supervisory/ Managerial Responsibilities: None

Education and Experience Required:

Bachelor’s degree and two years of Consumer or Commercial Credit work experience required, or in lieu of a degree, a combined six years higher education and/or Consumer or Commercial work experience

Education and Experience Preferred:

Physical Requirements:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.90 - $49.84 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Buffalo, New York, United States of America