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M&T Bank Consumer Credit Representative III (Remote Eligible) in Abilene, Kansas

Overview:

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.

Location: If within commuting distance to our Buffalo, NY office, you will be required to be on-site 1 day a week. If outside of Buffalo area, you are eligible to work fully remote.

Hours: The person who takes on this role must have open availability Monday - Saturday between the hours of 9AM-8PM EST, including holidays. The role will be scheduled on a flex-schedule.

Primary Responsibilities:

  • 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.

Scope of Responsibilities:

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.

Supervisory/ Managerial Responsibilities:

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.

Education and Experience Required:

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

Education and Experience Preferred:

Previous Consumer credit experience

Physical Requirements:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.76 - $41.27 USD (Hourly). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Abilene, Kansas, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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