Consumer Credit Representative II - Buffalo NY

M&T Bank•Buffalo, NY

7d•$23 - $38•Hybrid

About The Position

Onsite position in Buffalo NY (1 day remote) Must be able to work e/o Saturday shifts Overview: Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio. Primary 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. 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: Works under general supervision. Exercising lending authority to $150,000. Supervisory/ Managerial Responsibilities: Assist in the development and training of junior staff. Education and Experience Required: Associates degree and two years of work experience required, or a combination of four years of higher education and/or work experience Education and Experience Preferred: Previous Consumer credit 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 $22.61 - $37.67 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 Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [email protected] for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace. Career Site Privacy Notice

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.
Primarily support loans sourced through Indirect channels such as car and boat dealerships, requiring regularly working weekend or evening hours to support these dealerships