Consumer Credit Representative II- Buffalo NY

M&T Bank • Buffalo, NY

4d • Onsite

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.

Requirements

• Associates degree and two years of work experience required, or a combination of four years of higher education and/or work experience
• Lending authority to $150,000.
• 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.

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.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree