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Consumer Credit Representative II - Home Equity Operations - 3DI92 in Buffalo, NY at M&T Bank

Date Posted: 5/3/2018

Job Snapshot

Job Description

Consumer Credit Representative II
M&T Center - Buffalo, NY

 Basic Function:
Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio.

Decision all newly originated branch, dealer, LPO, Telephone Banking, and Web loan requests within established guidelines. 
Follows matrix and refers exception(s) to senior management. 
Countersign loan within authority, while providing daily guidance and training to less experienced loan representatives. 
Communicates loan decisions to branches, dealers, and customers on a daily basis. 
Maintains professional etiquette and adhere to Privacy Act Guidelines. 
Maintains an understanding of and apply all regulatory compliance issues in relation to Reg. B, HMDA, Adverse Action, Fair Lending and Fraud Procedures. 
Monitors assigned individual and regional work queues.  
Exercises lending authority to $150,000. 
Assists in the development and training of junior staff
Performs other duties and projects as requested by management
Works under general supervision. 
Basic Qualifications:

Associates degree or equivalent in work experience. 
Minimum four (4) years consumer credit experience. 
Working knowledge of personal computers and software utilized by the department. 
Proven analytical and math skills. 
Strong written and oral communication skills. 
Proven ability to 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.
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.
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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.