Career Search

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

Date Posted: 11/9/2018

Job Snapshot

  • Employee Type:
    Full-Time
  • Location:
    Baltimore, MD
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
    11/9/2018
  • Job ID:
    3DLXU

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.

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.