Consumer Credit Representative IV- Buffalo NY

Job description

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