Performs more complex 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 and by working closely with Credit Quality Assurance and other Credit areas.
+ This position is an “auditor”
+ Field examiners audit potential and current borrowers that have accounts receivable and inventory as collateral
+ Great position to learn about borrowers and what is important to a bank when lending to these borrowers, and then provide background to advance inside the bank.
+ Some flexibility of schedule to work hybrid with some travel
+ 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 in the field exam form to a vast array of readers so readers understand the risks in these loans.
+ Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management. Mentor junior field examiners.
**Supervisory/ Managerial Responsibilities:**
Leadership, Coaching, Mentoring of junior staff.
**Education and Experience Required:**
3 years of field exam experience, work leadership experience
Paramus, New Jersey, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.