[Skip to main content](#main-content) [OpenNash Jobs](https://jobs.opennash.com/) [Hiring report](/reports/hiring/) · [All M&T Bank jobs](https://jobs.opennash.com/companies/mt-bank/) · [Search jobs](/search/) M&T Bank · Buffalo, NY # Consumer Credit Representative III - M&T Center/ Buffalo NY Buffalo, NY $26.00 - $43.34 Hour Finance & Accounting Listed on M&T Bank’s official careers site. Listed as of October 18, 2026. Check that it is still open and apply there. [Apply on M&T Bank’s careers site →](https://mtb.wd5.myworkdayjobs.com/MTB/job/Buffalo-NY/Consumer-Credit-Representative-III---M-T-Center--Buffalo-NY_R88800-1) [OpenNash Jobs](https://jobs.opennash.com/) / [M&T Bank](https://jobs.opennash.com/companies/mt-bank/) / Consumer Credit Representative III - M&T Center/ Buffalo NY ## Job description 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. ### Overview Evaluate moderate to complex and higher risk consumer loan applications utilizing in depth experience level. Extend credit in a timely manner overseeing, assisting and training staff, ensuring a quality portfolio. ### Primary Responsibilities 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. ### Scope of Responsibilities Works under very general supervision. Exercising lending authority to $150,000. Use credit knowledge and experience to enhance and communicate credit procedures to other less experienced loan officers. Provide advice, guidance, work direction and support. ### Supervisory/ Managerial Responsibilities May perform additional supervisory/management duties in the absence of the Consumer Credit Loan Rep IV. ### Education and Experience Required: Bachelor’s degree and one year of work related experience required, or in lieu of a degree, a combined five years higher education and/or related work experience Preferred: Previous Consumer credit experience Physical Requirements: M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 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 ## At a glance - Posted by the employer: Not stated - First seen by OpenNash: Oct 11, 2026 - Last checked: Oct 18, 2026 - Listed for: 7 days - Location: Buffalo, NY - Pay: $26.00 - $43.34 Hour[Apply on M&T Bank’s careers site →](https://mtb.wd5.myworkdayjobs.com/MTB/job/Buffalo-NY/Consumer-Credit-Representative-III---M-T-Center--Buffalo-NY_R88800-1) ## More jobs at M&T Bank ### [Banking Controls Accounting Manager I](https://jobs.opennash.com/companies/mt-bank/jobs/5109f32f3e682d573a43/) Buffalo, NY ### [Banking Services Line Manager II](https://jobs.opennash.com/companies/mt-bank/jobs/aae8ae68830444607b5c/) Buffalo, NY ### [Banking Services Operations Associate III-Consumer ILN Insurance Servicing](https://jobs.opennash.com/companies/mt-bank/jobs/bc2422b98b17de39c4bb/) Buffalo, NY ### [Banking Services Operations Associate IV - Escrow Administration](https://jobs.opennash.com/companies/mt-bank/jobs/b8c67595dd6f8b08292f/) Buffalo, NY ### [Banking Services Operations Group Leader III - Commercial Lending Operations - Post Closing](https://jobs.opennash.com/companies/mt-bank/jobs/43264e480c863f05a555/) Buffalo, NY ## Similar jobs at other companies ### [Credit Review Team Leader - Consumer](https://jobs.opennash.com/companies/huntington-bank/jobs/fcd8b698c5fe89867c8e/) Huntington Bank · Cleveland, OH Columbus, OH Detroit, MI ### [Consumer Credit Risk Analyst III](https://jobs.opennash.com/companies/keycorp/jobs/b18422ebf8e1de31d825/) KeyCorp · Amherst, NY ### [Product Delivery Manager (Agility & Product Health) - Consumer Brand Credit Card](https://jobs.opennash.com/companies/jpmorganchase/jobs/64864a8b48fdc3345d1d/) JPMorganChase · Wilmington, DE, United States ### [Program Security Representative (PSR) III](https://jobs.opennash.com/companies/general-dynamics/jobs/fd20886fef58af99276f/) General Dynamics · Albuquerque, NM, US ### [Program Security Representative (PSR) III](https://jobs.opennash.com/companies/general-dynamics/jobs/d8ebb5b0d68010872610/) General Dynamics · Arlington, VA, US OpenNash lists jobs from employers’ own careers sites and does not handle applications. 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