PETER SHAFFER
Hamburg,NY
Summary
Skilled Credit Representative with experience in processing credit applications, evaluating customers' credit data and financial statements. Possess strong communication skills to deal with clients effectively and firmly when necessary. Demonstrated ability to resolve complex customer issues while maintaining high customer satisfaction ratings. Proven track record of improving credit policies that resulted in reduced delinquencies and improved department efficiency. Excels in customer service and is very adept at computer programs.
Overview
20
20
years of professional experience
Work History
Consumer Credit Representative
M&T BANK
05.2022 - 06.2025
- Reviewed and evaluated credit card applications by applying established underwriting guidelines to determine applicant eligibility.
- Monitored customer credit limits, assessed financial risk, and made adjustments to minimize exposure while supporting customer satisfaction and compliance standards.
- Conducted in-depth credit analysis to improve approval accuracy and reduce risk, resulting in higher-quality account openings.
- Increased credit approval rates through detailed assessments of financial stability and payment history.
- Maintained strong customer satisfaction by addressing inquiries, resolving disputes, and providing clear, proactive communication.
- Supported risk mitigation efforts by regularly reviewing and adjusting credit limits based on account performance.
Consumer Lending Associate
M&T BANK
03.2015 - 05.2022
- Served as a liaison between underwriters, branches, and vendors to ensure the accurate and timely submission of loan documentation for underwriting review.
- Supported both direct and indirect lending processes while maintaining attention to detail, effective communication, and a strong commitment to team collaboration and customer service.
- Ensured underwriting efficiency by accurately preparing and submitting required documentation across lending channels.
- Maintained clear communication with internal teams and vendors to support smooth loan processing and resolve issues quickly.
- Contributed to a positive team environment by participating in peer committee initiatives and supporting departmental events.
- Recognized for adaptability and willingness to take on new tasks, enhancing overall team productivity.
Operations Associate
M&T BANK
03.2013 - 03.2015
- Handled the storage, retrieval, and auditing of retail, CEMA, and foreclosure paid-in-full mortgage files.
- Managed requests for files from the warehouse, coordinated the destruction of outdated files, and worked independently with a strong focus on detail and accuracy.
- Successfully audited and coordinated the timely destruction of high-volume D files, ensuring compliance with internal retention policies.
- Managed end-to-end fulfillment of paid-in-full file requests from warehouse inventory with a high degree of accuracy.
- Maintained consistent attention to detail while working independently, supporting overall data integrity and workflow efficiency.
- Improved retrieval processes by organizing physical file systems for quicker access and reduced errors.
Teller/Commercial Teller/In Branch Teller Trainer
M&T BANK
07.2005 - 03.2013
- Provided frontline customer service by accurately processing financial transactions and assisting clients with day-to-day banking needs.
- Promoted bank services to non-customers, supported account growth efforts, and helped train new tellers on basic operational procedures.
- Demonstrated flexibility, teamwork, and a commitment to delivering a positive customer experience.
Education
Paralegal -
ERIE COMMUNITY COLLEGE
Skills
- Credit Analysis
- Risk Assessment
- Customer Service
- Documentation
- Process Management
- Team Collaboration
- Workflow Efficiency
- Compliance & Policy Adherence
- Communication Skills
- Organizational skills
- Excellent communication
- Reliability
- Employee training
- Teamwork and collaboration
- Decision-making
- Leadership
- Employee engagement
- Attention to detail
- Financial underwriting
- Credit analysis
- Risk assessment
Timeline
Consumer Credit Representative
M&T BANK
05.2022 - 06.2025
Consumer Lending Associate
M&T BANK
03.2015 - 05.2022
Operations Associate
M&T BANK
03.2013 - 03.2015
Teller/Commercial Teller/In Branch Teller Trainer
M&T BANK
07.2005 - 03.2013
Paralegal -
ERIE COMMUNITY COLLEGE
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