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Consumer Credit Representative III - 3DHF0 in Wilmington, DE at M&T Bank

Date Posted: 3/9/2018

Job Snapshot

Job Description

Basic Function
Evaluate moderate to complex and higher risk Consumer Credit and Business Credit Card applications utilizing in depth experience level. Extend credit in a timely manner overseeing, assisting and training staff, ensuring a quality portfolio.

Essential Position Responsibilities
Decision all newly originated branch, dealer, LPO, Telephone Banking, and Web credit 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 branches, dealers, and customers on a daily basis. Resolve complex issues regarding financial statements, business and personal tax returns, 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.
Nature and Scope
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.

Basic Qualifications
Associates degree or equivalent in work experience.
Minimum five (5) years business/consumer credit experience.
Working knowledge of personal computers and software utilized by the department.
Strong analytical and math skills.
Strong written and oral communication skills.
Apply experience and knowledge of 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.