Banking Services Operations Associate IV - Non Real Estate Collateral Management

M&T Bank; Millsboro (DE); On-site; USD 29,000 - 47,000; Full time

Job summary

M&T Bank Millsboro location is seeking an detail-oriented staff member to manage complex lien filings, perform advanced title research, and execute UCC filings for auto, boat, and RV collateral.

The role emphasizes accuracy, risk awareness, and collaboration with teams to ensure compliant processing and timely reporting.

Qualifications

• Associate’s degree plus 1 year of work experience, or 3 years of combined higher education and/or work experience with at least 1 year in the field.
• Bachelor's degree is preferred for this role.
• Experience with lien filings and UCC filings is advantageous.

Responsibilities

• Perform advanced research related to aged title/lien perfections and missing collateral upon lien satisfaction.
• Process commercial lien filing transactions and release collateral with appropriate reporting.
• Handle electronic UCC filings including new filings, amendments and continuations.
• Conduct lien exception research and resolve issues as needed.
• Audit and review tasks to ensure accuracy and compliance with procedures.
• Perform lien renewal research and processing.

Skills

Research

Lien filing

UCC filings

Audit

Compliance

Education

Associate’s degree

Bachelor's degree

Job description

Overview

Completes advanced research on aged incomplete and unsuccessful lien filings, processes commercial lien filing transactions, completes UCC ("Uniform Commercial Code") filing documentation, and reviews and audits tasks completed by less experienced personnel.

Primary Responsibilities

• Complete advanced research related to aged outstanding title/lien perfections and missing collateral upon lien satisfaction.


• Process commercial lien filing transactions, release collateral and complete special handling reporting.


• Complete electronic UCC filings including new filings, amendments and continuations.


• Complete lien exception research and resolution as required.


• Complete reviews audits of critical tasks to ensure their accurate completion.


• Complete lien renewal research and processing.


• Process direct lien filing transactions, including completion specific state Department of Motor Vehicle (DMV) documents.


• Complete research on outstanding title/lien perfections, including calling dealers, DMVs and customers as well as responding to online DMV inquires; elevate issues as appropriate to more experienced personnel.


• 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 belonging 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.

Scope of Responsibilities

Non-Real Estate Collateral Management is responsible for perfecting, maintaining, and releasing collateral for automobile, boat, and recreational vehicle (RV) loans, including placing liens on titles, processing name change requests, reviewing requests to register collateral in a new state, and ensuring the loan has been fully paid off and closed prior to releasing the lien.

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

Physical Requirements

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 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