Consumer Credit Representative 3 - M&t Center Buffalo Ny

* **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.** **Overview:** ============= 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. **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. **Scope of Responsibilities:** ------------------------------ 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. **Supervisory/ Managerial Responsibilities:** --------------------------------------------- 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. **Education and Experience Required:** -------------------------------------- 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 **Education and Experience Preferred:** --------------------------------------- Previous Consumer credit experience **Physical Requirements:** -------------------------- M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 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