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Field Examiner I - 3DITD in Cheektowaga, NY at M&T Bank

Date Posted: 5/25/2018

Job Snapshot

  • Employee Type:
    Full-Time
  • Job Type:
    Other
  • Experience:
    Not Specified
  • Date Posted:
    5/25/2018
  • Job ID:
    3DITD

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.