Consumer Credit Representative III - M&T Center/ Buffalo NY

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.

• →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.

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.

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.

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

Previous Consumer credit experience