Outreach Specialist II - Overdraft

M&T Bank Corporation; Getzville (NY); On-site; USD 26,000 - 43,000; Full time

Benefits offered by this job

Medical benefits

Retirement benefits

40 hours paid volunteer time

Job summary

M&T Bank Corporation in Getzville, NY is seeking a delinquency contact specialist to work with loan customers who are past due. You will initiate calls, discuss repayment options, and document outcomes to support compliant collections activity.

The role requires strong communication, analytical skills, and attention to detail, with experience in skip-tracing and coordinating with internal teams. We offer competitive benefits and a stable, community-focused employer.

Qualifications

• A combined 2 years’ higher education and/or work experience, including a minimum of 1 year relevant work experience.
• Working knowledge of word processing and spreadsheet software.
• Strong written and verbal communication skills.
• Detail oriented.
• Motivated, team player.
• Strong analytical ability and problem solving skills.
• Strong work ethic and ability to work independently.
• Associate’s degree.
• Collections experience.
• Knowledge of M&T systems.

Responsibilities

• Initiate contact with delinquent borrowers to collect past due payments and discuss repayment options.
• Assess repayment options and determine ability to repay while complying with laws and regulations.
• Perform inbound and outbound calls to communicate repayment options and handle inquiries.
• Refer customers to appropriate departments via warm transfers.
• Document call outcomes and ensure compliance with state/federal requirements.
• Research and review high-risk loans; analyze financial statements to assess recovery likelihood.
• Identify high-risk situations and escalate to management with recommended actions.
• Utilize internal collections and accounting systems to manage accounts and resolve issues.
• Adhere to internal controls and audit points; promote M&T brand.
• Complete other related duties as assigned.

Skills

Communication

Detail oriented

Analytical thinking

Team player

Independent worker

MS Office

Education

Associate’s degree

High School Diploma or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

Overview: Responsible for contacting and working with customers who are delinquent on loans. The role focuses on arranging payment alternatives to resolve past due situations, reduce risk, and maintain positive customer relationships.

Duties include performing inbound and outbound calls (manual and AutoDial), referring customers to appropriate departments through warm transfers, and conducting skip-tracing when necessary.

Responsibilities: Initiate contact with consumer borrowers in delinquency to collect past due payments and assess repayment options, while maintaining compliance with all applicable state and federal laws and regulations. Evaluate documentation to determine ability to repay and identify appropriate solutions, such as repayment plans, loan workouts, or other assistance options. Perform inbound and outbound calls (manual and AutoDial) to communicate repayment options and handle inquiries from internal departments and customers regarding loans. Document all call outcomes accurately and ensure adherence to state-specific compliance requirements. Conduct research and account reviews on high-risk loans, analyzing financial statements and loan opening documents to assess recovery likelihood. Identify and identify high risk situations and evolve issues to management with recommended actions. Utilize internal collections and accounting systems to manage accounts, resolve problematic situations, and refer complex issues to supervisors as needed. Understand workflows necessary for account maintenance and corrections through resolution, ensuring timely and accurate processing. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. 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.

Managerial/Supervisory Responsibilities:

Minimum Qualifications:

• A combined 2 years’ higher education and/or work experience, including a minimum of 1 year relevant work experience.
• Working knowledge of word processing and spreadsheet software.
• Strong written and verbal communication skills.
• Detail oriented.
• Motivated, team player.
• Strong analytical ability and problem solving skills.
• Strong work ethic and ability to work independently.

Preferred Qualifications:

• Associate’s degree.
• Collections experience.
• Knowledge of M&T systems.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.68 - $31.14 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location Getzville, New York, United States of America

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values integrity, ownership, collaboration, curiosity, and candor drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.