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Collateral Analyst II - 3DL83 in Baltimore, MD at M&T Bank

Date Posted: 10/2/2018

Job Snapshot

  • Employee Type:
  • Location:
    Baltimore, MD
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
  • Job ID:

Job Description

Position: Collateral Analyst II

Location: One Light Street, Baltimore MD


Basic Function
For complex commercial relationships analyze, review and evaluate the validity, formula valuations, credit worthiness and collectability of accounts receivable to reduce 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
Top Responsibilities:

  • Analyze, review and evaluate monthly customer accounts receivable aging’s to ascertain validity for portfolio of complex asset based and formula based lines of credit.
  • Calculate ineligible figure utilizing aging information from customer. Calculate collateral availability and process line of credit requests accordingly. Work directly with customer 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 line of credit renewal process.
  • Work directly with Loan Examiners and 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 diversity 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.


Education & Experience:

  • Bachelor's or equivalent experience
  • Minimum basic accounting.
  • Strong math skills and proficient with Microsoft Office
  • Preferred major/significant course work in accounting /finance
  • Ability to interact with all levels of personnel.
  • Team  player
  • Independent/ creative thinker
  • Problem solver
  • Ability to persevere/ deal with adversity
  • Strong work ethic
  • Detail oriented and  strong organization skills
  • Must have 1 year or less professional work experience
  • Outstanding academic credentials
  • Demonstrated leadership skills
  • Outstanding written and verbal communication skills
  • Outstanding Analytical skills
  • Demonstrated interpersonal skills
  • Demonstrated advanced computer and analytical skills
  • Experienced in making presentations

About M&T

At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T.  As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.



M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.