Career Search

Mortgage Customer Outreach Specialist II - 3DJIH in Getzville, NY at M&T Bank

Date Posted: 7/5/2018

Job Snapshot

Job Description

The Opportunity:
This position is responsible for collecting on delinquent mortgage loans by calling borrowers who are in early to late stages of default (0 - 180 days delinquent).
Primary Responsibilities:
Initiate contact with consumers in early to late stage of default on their mortgage loans with M&T in an effort to collect past due payments, while maintaining compliance with all state and federal laws and regulations applicable to consumer collection activity.
Collect consumer financial information, assess consumer’s ability to repay their delinquency, identify appropriate solutions and arrange repayment plans or identify referrals to Loss Mitigation or Alternative Lending as necessary.
Analyze financial statements and loan opening documents to assess the likelihood of recovery.
Perform skip tracing.
Handle inbound calls from various internal departments and consumers concerning all mortgage loan products in the various stages of delinquency.
Communicate all applicable state-specific call compliance requirements on both inbound and outbound calls received/made.
Identify suspect situations (e.g., fraud, lack of insurance) and investigate exposure, escalating issues to management along with recommendation of appropriate course of action.
Analyze account files to assess whether referral to foreclosure is appropriate.
Identify and resolve problematic account situations where appropriate. Understand the workflow necessary for account maintenance/corrections.
Assist in the training of new hires as requested by management.
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
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.
Promote an environment that supports diversity and reflects the M&T Bank brand.
Complete other related duties as assigned.
Nature and Scope:
Initiates direct contact with consumers.
Managerial/Supervisory Responsibility:
Not Applicable.
Minimum Qualifications Required:
A combined 3 years’ higher education and/or work experience, with a minimum of 1 year collections or customer service experience.
Ability to communicate effectively and professionally over the phone.
Excellent communication and customer service skills.
Experience and skill with negotiation.
Proficiency with word processing and spreadsheet software.
Ideal Qualifications Preferred:
Bachelor’s degree.
2 years’ collections experience.
Knowledge of M&T systems.
Familiarity with skip tracing software and servicing systems.
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.