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 involves making decisions on newly originated vendor and business partner requests within established guidelines, referring exceptions to senior management, and countersigning loans within authority. The position also provides daily guidance and training to less experienced loan representatives, communicates loan decisions to dealers, brokers, and customers, and maintains professional etiquette while adhering to Privacy Act Guidelines. Understanding and applying regulatory compliance issues related to Reg. B, HMDA, Adverse Action, Fair Lending, and Fraud Procedures is crucial. The role includes monitoring assigned individual and regional work queues and performing other duties and projects as requested by management. 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.

Benefits

• medical
• retirement
• forty hours of paid volunteer time, each year

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree
• Number of Employees: 5,001-10,000 employees