Consumer Credit Representative II- Buffalo NY
About The Position
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. Works under general supervision. Exercising lending authority 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
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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
