**Collections Specialist III- Late Stage Collections** **Location: Hybrid** . Must be able to report into the Crosspoint office on Tuesdays and Thursdays. **Department Hours: M-Th 8am to 9pm, Friday 8am to 5pm, Saturday 8am to 12:30pm.** Must be able to work 1 night shift a week and occasional Saturdays. **Overview:** Manages complex accounts with the following areas of specialization: Foreclosure, Bankruptcy, REO/Property Preservation, Repossession, Remarketing, Legal Liaison or Post Charge Off Collections. **Primary** **Responsibilities** **:** + Initiate contact with consumer borrowers that are in the mid to late stages of delinquency; assess the prospect of repayment, and arranging repayment schedules or other solutions such as: Loan Workout, Alternative Lending, Consumer Credit Counseling Services, Reages, or Extensions. + Initiate contact with customers’ attorneys and Bankruptcy trustees. + Investigate and conduct skip tracing as required. + Submit recommendations for account placement with third party collection agencies, attorneys, brokers, and property preservation firms. + Initiate direct contact with borrowers (consumer, mortgage, deposit overdraft, business banking), assessing the prospect of repayment, arranging repayment schedules or other solutions. + Contact business partners and vendors to ensure services provided are meeting predetermined service level agreements. + Participate in loss prevention by employing advanced strategies that provide adequate protection for M&T with respect to its interest in the collateral securing the loan, while maximizing the cost containment opportunities. + Review collateral condition and establish asset value. Negotiate sale with prospective buyers and conclude sales transaction with limited oversight. + Develop an understanding of the business and its functions, processes and operations. + Keep abreast of business and market trends that may affect business department. + 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:** This position works under general supervision and has autonomy when performing skip-trace. In addition, this position does have the authority to waive late fees, within guidelines. **Education and Experience Required:** A combined minimum of 3 years’ higher education and/or work experience including a minimum of 1 year experience in customer service, customer-facing, collections, call center or sales. Experience with word processing, spreadsheet and presentation software. Detail oriented. Strong verbal and written communication skills. **Education and Experience Preferred:** 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.