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About the Role

Evaluate moderate to complex and higher risk consumer loan applications utilizing in-depth experience. Extend credit in a timely manner, overseeing, assisting, and training staff to ensure a quality portfolio.

Responsibilities

• Evaluate moderate to complex and higher risk consumer loan applications utilizing in-depth experience.
• 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.
• Use credit knowledge and experience to enhance and communicate credit procedures to other less experienced loan officers.
• Provide advice, guidance, work direction and support.

Requirements

• 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.
• Exercising lending authority to $150,000.

Location

• Buffalo, New York, United States of America

Work Type

• Full-time

Experience Level

• In-depth experience level
• Less experienced staff

Education Level

• Bachelor’s degree
• Higher education

Salary/Compensations

• $26.00 - $43.34 Hourly (USD)