**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. **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 $20.94 - $34.91 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.