Consumer Credit Representative III - 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:

Location