Consumer Credit Representative IV - Altoona PA
Altoona, PAFull-time$29.9–$49.84/hrPosted Jul 31, 2026
Overview:
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.
Primary Responsibilities:
- 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.
Scope of Responsibilities:
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