Overview: Responsible for working with customers who are 30 days delinquent to arrange for payment alternatives to resolve past due situations, thereby reducing risk and maintaining relationships. They will perform inbound and outbound calls (manual & AutoDial). Position will refer to different Departments/make “warm transfers” and perform skip-tracing. Responsible for meeting and maintaining registration requirements under the Federal SAFE Act. Primary Responsibilities: Initiate contact with consumer borrowers that are in the mid stage 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. Investigate and conduct in depth research and account review on high-risk loans. Analyze financial statements and loan opening documents to assess the likelihood of recovery; Ask questions regarding intentions, in order to offer solutions/assistance. Document outcomes of all calls. Identify suspect situations (i.e. fraud, lack of insurance) and investigate exposure, escalating issues to management along with recommendation of course of action. Utilize internal collections systems and accounting systems for all loan types. Identify and resolve problematic account situations where appropriate referring more complex problems to the supervisor and understand the workflow necessary for account maintenance/corrections through to resolutions. Responsible for meeting and maintaining registration requirements under the Federal SAFE Act. 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 direct 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: High School diploma/GED plus a minimum of 2 years’ 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: Associate’s degree. 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 $18.00 - $28.11 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Millsboro, Delaware, United States of America At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000 employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. Competitive compensation Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO 401(k) match at 5% with options for Roth and discretionary employer contributions A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts We need you. Are you ready to join us? Apply today to start the journey. If you are unable to apply through this site due to technical issues or are in need of an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.