Consumer Credit Representative III - M&T Center​/Buffalo NY

Primary Responsibilities

• Evaluate moderate to complex and higher risk consumer loan applications utilizing in depth experience level.
• Extend credit in a timely manner overseeing, assisting and training staff, ensuring a quality portfolio.
• Decision all newly originated vendor and business partner requests within established guidelines.
• Process initial loan decisions up to and including $500,000 without supervision.
• Recommend higher risk credit decisions, follow matrix and refer exception to senior management.
• Countersign loan within authority, work with credit staff and support areas to correct errors or discrepancies.
• Define alternative lending scenarios while providing daily guidance and training to less experienced staff.
• Communicate loan decisions to dealers, brokers and customers on a daily basis.
• Resolve complex issues regarding financial statements, credit reports, loan decisions requirements and policy.
• 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.
• Actively monitor assigned individual and regional work queues.
• Communicate with management to resolve lending conflicts and provide input regarding staff's job performance.
• May perform additional supervisory/management duties in the absence of the Consumer Credit Loan Rep IV.
• Participate in future planning, solutions, acquisitions, and off site activities.

• Works under very general supervision.
• Exercising lending authority to $150,000.
• Use credit knowledge and experience to enhance and communicate credit procedures to other less experienced loan officers.
• Provide advice, guidance, work direction and support.

• Communicate with management to resolve lending conflicts and provide input regarding staff's job performance.
• May perform additional supervisory/management duties in the absence of the Consumer Credit Loan Rep IV.

Bachelor’s degree and one year of work related experience required, or in lieu of a degree, a combined five years higher education and/or related work experience

Previous Consumer credit experience

The pay range for this position is $26.00 - $43.34 Hourly (USD).

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.

• 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.

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.