Collateral Analyst II

M&T Bank•Baltimore, MD

2d•$25 - $41•Onsite

About The Position

For complex commercial relationships, analyze, review, and evaluate the validity, formula valuations, credit worthiness, and collectability of accounts receivable to reduce the risk of charge-offs and to correlate the findings and results with the customers' eligibility to borrow. Assist Portfolio Managers with loan administration and portfolio management responsibilities.

Requirements

Bachelor's or equivalent experience
Minimum basic accounting
Strong math skills
Proficient with Microsoft Office

Responsibilities

Analyze, review, and evaluate monthly customer accounts receivable aging’s to ascertain validity for a portfolio of complex asset-based and formula-based lines of credit.
Calculate ineligible figures utilizing aging information from customers.
Calculate collateral availability and process line of credit requests accordingly.
Work directly with customers to resolve discrepancies.
Analyze and review credit information and report status to management.
Analyze and review clients' financial statements, reporting discrepancies.
Assist Account Representatives in the line of credit renewal process.
Work directly with Loan Examiners and the Loan Administration Department.
Identify suspected deficiencies in field examinations, reporting deficiencies to management.
Assist Portfolio Managers with loan administration and credit administration responsibilities.
Report delinquent reporting exceptions.
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite.
Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis.
Identify risk-related issues needing escalation to management.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
Complete other related duties as assigned.