Consumer Credit Representative IV- Buffalo NY

M&T Bank Corporation; Buffalo (NY); On-site; USD 41,000 - 69,000; Full time

Benefits offered by this job

Flexible shift schedule

Saturday/holiday availability

Job summary

M&T Bank Corporation in Buffalo, NY is seeking a lending professional to evaluate complex and high-risk consumer loan applications and ensure adherence to underwriting guidelines. You will also manage staff, supervise credit procedures, and maintain relationships with dealers and brokers while ensuring regulatory compliance.

Required is a Bachelor's degree and two years of consumer or commercial credit work; weekend or holiday coverage may be needed.

Qualifications

• Bachelor’s degree and two years of Consumer or Commercial Credit work experience required.
• Ability to evaluate moderate to complex and higher-risk loan applications.
• Availability to work Saturdays and holidays as needed.

Responsibilities

• Evaluate complex and/or high-risk consumer loan applications for extension of credit.
• Manage staff to ensure loan decisions follow underwriting guidelines.
• Supervise credit procedures and train staff to adhere to policies.
• Communicate with dealers and brokers and advise Senior Management on credit decisions.

Skills

Consumer lending

Underwriting

Credit decisions

Staff management

Regulatory compliance

Education

Bachelor’s degree

Credit work experience

Job description

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.

Primary Responsibilities

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.

Scope of Responsibilities

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

Education and Experience Required

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

Benefits and Perks

• 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.

Salary

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 capabilities of a large bank with the care of a locally focused institution. 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.

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.