Consumer Credit Representative II - Buffalo NY

Onsite position in Buffalo NY (1 day remote) Must be able to work e/o Saturday shifts Overview: Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio. Primary Responsibilities: + Evaluate moderately complex consumer loan applications for the extension of credit in a timely manner, ensuring a quality portfolio. + Decision all newly originated vendor and business partner requests within established guidelines. Follow matrix and refer exceptions to senior management. + Countersign loans within authority while providing daily guidance and training to less experienced loan representatives. + Communicate loan decisions to dealers, brokers 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. + 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: Works under general supervision. Exercising lending authority to $150,000. Supervisory/ Managerial Responsibilities: Assist in the development and training of junior staff. Education and Experience Required: Associates degree and two years of work experience required, or a combination of four years of higher education and/or work experience Education and Experience Preferred: Previous Consumer credit 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 $22.61 - $37.67 Hourly (USD). The successful candidateu2019s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of AmericaM&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Created: 2026-05-02