Overview:

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.

Primary 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.

Supervisory/ Managerial Responsibilities:

None

Education and Experience Required:

Bachelor's degree

2 years Commercial Banking or related experience

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $56,655.45 - $94,425.76 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Baltimore, Maryland, United States of America