Consumer Credit Representative II/ Underwriter - Altoona PA

M&T Bank•Altoona, PA

1d•Hybrid

About The Position

Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio. This role requires working 4 days in the office and 1 day remote at the Plank Road M&T office in Altoona PA. The position works under general supervision and exercises lending authority up to $150,000.

Requirements

Associates degree and two years of work experience required, or a combination of four years of higher education and/or work experience.
Must be able to work 4 days in the office and 1 day remote at the Plank Road M&T office in Altoona PA.

Nice To Haves

Previous Consumer credit experience preferred.

Responsibilities

Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio.
Decision all newly originated vendor and business partner requests within established guidelines.
Follow matrix and refer exceptions to senior management.
Countersign loans within authority while providing daily guidance and training to less experienced loan representatives.
Communicate loan decisions to dealers, brokers and customers on a daily basis.
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.
Monitor assigned individual and regional work queues.
Perform other duties and projects as requested by management.
Assist in the development and training of junior staff.