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.
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.
- 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
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.LocationBuffalo, New York, United States of AmericaSkills Required
- Bachelor's degree and two years of consumer or commercial credit work experience
- Alternatively, six combined years of higher education and/or consumer or commercial credit work experience in lieu of a degree
- Consumer lending and underwriting experience, including evaluating moderate to complex and higher-risk loan applications
- Ability to independently assess creditworthiness, analyze financial information, and make sound lending decisions within authority limits
- Experience reviewing indirect lending applications received through dealers, brokers, vendors, and business partners
- Knowledge of Regulation B, HMDA, adverse action, fair lending, and fraud procedures
- Availability for evening, weekend, Saturday, and holiday hours as needed
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
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Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
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Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
M&T Bank Insights
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
