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Consumer Credit Representative II - 3DHF2 in Wilmington, DE at M&T Bank

Date Posted: 3/14/2018

Job Snapshot

Job Description

Basic Function
Evaluate moderately complex Consumer Credit and Business Credit Card applications for the extension of credit in a timely manner, ensuring a quality portfolio.  
Responsibilities Decision all newly originated branch, dealer, LPO, Telephone Banking, and Web credit requests within established guidelines.  Follow matrix and refer exception to senior management.  Countersign loan within authority while providing daily guidance and training to less experienced loan representatives.  Communicate loan decisions to branches, dealers, and customers on a daily basis.  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.  Monitor assigned individual and regional work queues.   Perform other duties and projects as requested by management.  Works under general supervision.  Exercising lending authority to $150,000.  Assist in the development and training of junior staff.  
Basic Qualifications Associates degree or equivalent in work experience.  Minimum four (4) years business/consumer credit experience.  Working knowledge of personal computers and software utilized by the department.  Analytical and math skills.  Strong written and oral communication skills.  Apply lending concepts on a consistent basis.  Thorough knowledge of credit bureau report concepts.  Knowledge of Consumer Lending loan products.  Thorough knowledge of documentation to ensure proper security of collateral.M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.