Consumer Credit Representative IV- Buffalo NY
- Company: M&T Bank Corp.
- Location: Buffalo, NY
- Work mode: On-site
- Job type: Full-Time
- Posted: 2026-10-05
OVERVIEW:
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.
This position offers a flexible shift schedule, with working hours available from 9:00 AM to 6:00 PM, 10:00 AM to 7:00 PM, or 11:00 AM to 8:00 PM. The role also requires availability to work Saturdays and holidays as needed.
* Consumer lending and underwriting experience required, including evaluating moderate to complex and higher-risk loan applications.
* Proven ability to independently assess creditworthiness, analyze financial information, and make sound lending decisions within established authority limits.
* Experience reviewing indirect lending applications received through dealers, brokers, vendors, and business partners.
PRIMARY RESPONSIBILITIES:
* 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
SCOPE OF RESPONSIBILITIES:
Exercise lending authority to $200,000. Works under limited supervision.
SUPERVISORY/ MANAGERIAL RESPONSIBILITIES:
None
EDUCATION AND EXPERIENCE REQUIRED:
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
EDUCATION AND EXPERIENCE PREFERRED:
PHYSICAL REQUIREMENTS:
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.90 - $49.84 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
LOCATION
Buffalo, New York, United States of America