Overview: This entry level customer service position operates in a high-volume call center enviroment and is responsible for collecting on delinquent mortgage loans by proactively contacting borrowers who are in the early stages of default (60 days or fewer delinquent). Primary Responsibilities: • Initiate contact with consumers in the earliest stages of default on their mortgage loans with M&T in an effort to collect past due payments, while maintaining compliance with all state and federal laws and regulations applicable to consumer collection activity. • Collect consumer financial information, assess consumer’s ability to repay their delinquency, identify appropriate solutions and arrange repayment plans as necessary. • Handle inbound calls in a high volume call center enviroment from various internal departments and consumers concerning all mortgage loan products in the early stages of delinquency. • Communicate all applicable state-specific call compliance requirements on both inbound and outbound calls received/made. • Identify suspect situations (e.g., fraud, lack of insurance) and investigate exposure, escalating issues to management along with recommendation of appropriate course of action. • Identify and resolve problematic account situations where appropriate, referring more complex problems to the supervisor. Understand the workflow necessary for account maintenance/corrections. • 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 belonging and reflects the M&T Bank brand. • Complete other related duties as assigned. Scope of Responsibilities: Initiates direct contact with consumers to provide exceptional customer service and assist with resolving mortgage loan delinquency issues. Education and Experience Required: A combined 2 years’ higher education and/or relevant work experience. Ability to communicate effectively and professionally over the phone. Excellent communication and customer service skills. Proficiency with word processing and spreadsheet software. Education and Experience Preferred: 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 (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