Overview:

Establishes the lien interest in assets pledged as collateral against loans and lines of credit  for the Commercial, Business Banking, and Leasing portfolios.  Receives work from Post-Closing through the appropriate system and uses images and original documents to record mortgages, place holds on investment and deposit accounts, file vehicle titles and generate Uniform Commercial Code (UCC) filings.  Uses several third party vendors as required and may interact with internal counsel.  Works with internal business partners, county clerk offices, and internal counsel to resolve deficiencies as required. Provides guidance and training to new personnel on the most difficult transactions.

Primary Responsibilities:

• Obtain key documents needed to perfect the Bank's interest in the collateral, including real estate, assets covered under the Uniform Commercial Code (UCC), vehicles, investment accounts, deposits, aircrafts, ships, patents, trademarks, etc.
• Reviews loan documents and collateral-related documents to ensure specific jurisdictional requirements are met.
• Calculate filing fee amounts as applicable.
• Complete pre-filing data entry.
• Place holds on accounts or work with internal departments to place holds as applicable or send key documents to jurisdictions for recording.
• Update recording information in appropriate tracking systems or follow-up with the jurisdiction if the document has not been recorded.
• Generate and clear exceptions for perfection deficiencies.
• Provide training and guidance to new team members.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.  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.

Education and Experience Required:

Associate’s degree and a minimum of 1 years’ work experience, or in lieu of a degree, a combined minimum of 3 years’ higher education and/or work experience, including a minimum of 1 years’ work experience

Education and Experience Preferred:

Bachelor's degree

Minimum of 3 years’ relevant work experience

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

Williston, Vermont, United States of America