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Field Examiner I - 3DHBN in Baltimore, MD at M&T Bank

Date Posted: 3/2/2018

Job Snapshot

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

Job Description

Title: Field Examiner I
The Opportunity: • Performs field examinations of clients and prospective clients to provide the Bank with a first level of risk management by determining collateral adequacy, identifying operational issues and making recommendations to improve the Bank’s collateral position.
• Works closely with Credit Quality Assurance and other Credit areas.
Nature and Scope: • Works both independently and in teams to improve credit quality and identify risks.
• Collaborates with Relationship Managers, Special Assets, Credit Quality, Assurance, Collateral Control and other Credit areas to help the Bank make informed credit decisions.
• Completion of Field Exams within 3 to 5 days in the field as completion of field exams may be time-sensitive.
Position Responsibilities: • Conduct on-site pre-loan field exams, assess quality of collateral monitoring, and perform operational and troubled loan examinations.
• Conduct on-site investigations of internal controls.
• Evaluate accounting systems and controls.
• Evaluate various assets as collateral for loans.
• Determine the quality and validity of accounts receivable, inventories and all other general ledger accounts.
• Formulate meaningful recommendations to improve credit and collateral quality to help the Bank make sound lending decisions.
• Communicate the results of the field exam as provided in the field exam form to a vast array of readers so there is an understanding of the risks in the loans.
• 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.
Minimum Qualifications Required: • Bachelors in Business or related field - with successful completion of at least two college level accounting courses, or similar experience and a minimum of 2 years commercial banking or related field experience. 
• In lieu of a degree, a combined minimum of 6 years higher education and/or work experience to include a minimum of 2 year commercial banking or related field experience. 
• Ability to travel to the customer’s place of business.
• Willingness to travel overnight up to at least 50% of the time.
Ideal Qualifications Preferred: • Ability to work independently or in a team environment, and identify and solve problems and possess financial analysis skills.
• Excellent written and verbal communication skills.
• Ability to adapt to changing conditions with companies, the economy, and the Bank.
• Ability to interact with all levels of personnel.
• Strong computer spreadsheet skills and the ability to learn other database manipulation software systems.
• Experience in determining the validity of accounts receivable, inventories and all other general ledger accounts.
• Knowledge of Asset Based Lending techniques.
• Self-motivated, well-organized individual.
• We encourage candidates with relevant military experience to apply.
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.