Commercial Field Examiner- Commercial Lending Auditor - New Hampshire at M&T Bank

Manchester, New Hampshire, United States

M&T Bank Logo
$66,979 – $111,632Compensation
Mid-level (3 to 4 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries

Requirements

  • Bachelor's degree
  • 3 years of field exam experience
  • Work leadership experience

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 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
  • Leadership, coaching, mentoring of junior staff

Skills

Field Examinations
Collateral Assessment
Internal Controls
Accounting Systems
Accounts Receivable
Inventory Evaluation
Risk Management
Credit Analysis
Operational Audits

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters
1993Year Founded
IPOCompany Stage
Financial ServicesIndustries
10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.
Integration challenges from the United Bank merger may disrupt operations.
Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.
The bank offers a wide range of traditional and digital banking services.
Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.
Decreased prime rate may attract more borrowers, increasing loan volume.
Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

Land your dream remote job 3x faster with AI