Consumer Credit Representative 4- Buffalo Ny

**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. **Supervisory/ Managerial Responsibilities:** --------------------------------------------- None **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 **Education and Experience Preferred:** --------------------------------------- **Physical Requirements:** -------------------------- 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). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** ============ Buffalo, New York, United States of America