Consumer Credit Representative IV- Buffalo NY

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.

• →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

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

None

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