**Overview:** Responsible for managing an assigned customer base of delinquent loans, mitigating loss situations and reducing nonaccrual and loss population to M&T Bank. Evaluate status of loan to decide on interactions with customers, Branch Managers and Relationship Managers. Transfer accounts to Workout Team based on delinquency or other risk triggering factors. **Primary Responsibilities:** + Responsible for handling past due Commercial loans, Mortgages, Leases, Lines of Credit, Credit Cards and overdrawn Deposit Accounts. + Interact with customers via outbound calls, inbound calls and email correspondence. + Collaborate with direct management, business customers, sales and branch reps, and relationship managers to determine appropriate solutions which can include a recommendation for non-accrual and charge-off. + Initiate direct contact with business customers and all guarantors assessing the prospect of repayment; make recommendations for transfer to Workout/Special Assets. + Collaborate with Relationship Manager’s and CAM business partners to determine collateral type, value, and direction of loss mitigation strategy. + Thoroughly document loan/relationships supporting business recommendations. + Investigate and conduct skip tracing as required, utilizing resources available. + Keep abreast of business and market trends that may affect portfolio performance. + 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. **Scope of** **Responsibilities** **:** Large percentage of time spent on the phone with customers. Work under general supervision. **Education and Experience Required:** A combined 3 years’ higher education and/or work experience with a minimum of 1 year collection experience or customer services/sales experience. Experience with word processing, spreadsheet and presentation software. Detail oriented. Strong verbal and written communication skills. **Education and Experience Preferred:** Bachelor’s degree. Two years’ collection experience. Knowledge of the Commercial, Revolving Credit or Overdraft products. Exposure to financial statements, analysis, and collateral valuation. Knowledge of M&T Bank systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.57 - $30.95 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Getzville, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.