Consumer Credit Representative IV

Overview

Evaluate complex and/or high-risk consumer loan applications for the extension of credit, ensuring a quality loan portfolio. Manage staff to ensure that proper loan decisions are made and underwriting guidelines followed. This position offers a flexible shift schedule, with working hours available from 9:00 AM to 6:00 PM, 10:00 AM to 7:00 PM, or 11:00 AM to 8:00 PM. The role also requires availability to work Saturdays and holidays as needed.

Consumer lending and underwriting experience required, including evaluating moderate to complex and higher-risk loan applications. Proven ability to independently assess creditworthiness, analyze financial information, and make sound lending decisions within established authority limits. Experience reviewing indirect lending applications received through dealers, brokers, vendors, and business partners.

Evaluate complex and/or high-risk consumer loan applications for the extension of credit, ensuring a quality loan portfolio. Manage staff to ensure that proper loan decisions are made and underwriting guidelines followed. Supervise and communicate credit procedures, providing advice, guidance, and work direction, and train credit representatives and supervisors to ensure proper loan decisions are made and guidelines followed. Assist in the final determination of loan decisions, recommending credit decisions to Senior Management when warranted.

Communicate, build, and maintain relationships with dealers and brokers. Manage assigned region, including workflow, credit decisions, and employee development/evaluation. Exercise override authority. Develop/implement credit procedures and monitor efficiency, making recommendations and modifications when appropriate. 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.

Participate in future planning, solutions, and acquisitions. Perform other duties 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.

Exercise lending authority to $200,000. Works under limited supervision.

Bachelor’s degree and two years of Consumer or Commercial Credit work experience required, or in lieu of a degree, a combined six years higher education and/or Consumer or Commercial work experience.

Location Buffalo, New York, United States of America

• 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.
• M&T Bank is committed to fair, competitive, and market-informed pay for our employees.

The pay range for this position is $29.90 - $49.84 Hourly (USD).

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 strained to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the…