2027 Enterprise Operations Development Program – Consumer Default Servicing Analyst

M&T Bank•Getzville, NY

3d•$30 - $44

About The Position

The Enterprise Operations Development Program provides recent college graduates with hands-on experience, professional development, and opportunities to build analytical, problem-solving, leadership, and collaboration skills at M&T Bank. As a Consumer Default Servicing Analyst, you will gain exposure to the teams and processes that support customers experiencing financial hardship, learning how the bank manages accounts through complex financial situations and developing an understanding of banking operations, risk, customer service, and financial processes. The Consumer Default Servicing group supports customers through different stages of the default servicing process, with the goal of helping them identify potential solutions and, when possible, return their accounts to performing status. The group includes Consumer Bankruptcy, Home Equity Line of Credit (HELOC), Repossession and Remarketing, Recovery, and Loan Workout. The role provides exposure to how these teams work together to manage customer and business needs, while building skills in problem-solving, account management, data analysis, process improvement, risk awareness, and cross-functional collaboration. The position includes a series of rotations across multiple disciplines and may involve customer-contact or back-office work depending on the candidate’s preference and skill set. The analyst will manage loan pipelines, review loans for quality and risk, prepare reports and analyses, perform data review and reconciliation, and participate in program activities. The role is based in Getzville, New York.

Requirements

Bachelor’s or Master’s degree.
Minimum cumulative GPA of 3.0.
Up to 1 year of work experience.
Outstanding written and verbal communication skills.
Demonstrated interpersonal skills.
Demonstrated analytical skills.
Demonstrated computer skills.
Prior work or internship experience.

Responsibilities

Complete a series of job rotations over a set time frame in multiple disciplines to understand the roles, how they are used at the Bank, and how they work together to deliver solutions and services to internal and external customers.
Manage a pipeline of loans, ensuring operational processes are completed timely and accurately.
Review loans to confirm quality within the Company’s risk appetite.
Work in customer-contact or back-office roles depending on the candidate’s preference and skill set.
Develop and produce routine departmental reports and spreadsheets, including project analyses, historical reporting, and financial analyses.
Complete data review, research, and/or reconciliation.
Participate in Customer Asset Management Operations Development Program activities.
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with its Risk Appetite; identify risk-related issues requiring 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 and issues raised by external regulators, as applicable.
Complete other related duties as assigned.