2027 Enterprise Operations Development Program – Consumer Default Servicing Analyst

Overview:

Ready to start your career solving real business challenges while making an impact for customers?

The Enterprise Operations Development Program provides recent college graduates with hands-on experience, professional development, and opportunities to build analytical, problem-solving, leadership, and collaboration skills within M&T Bank.

As a Consumer Default Servicing Analyst, you’ll gain exposure to the different teams and processes that support customers experiencing financial hardship. You'll learn how M&T works with customers and manages accounts through complex financial situations while developing a strong understanding of banking operations, risk, customer service, and financial processes.

Throughout the program, you'll have opportunities to build your professional skill set, collaborate with experienced colleagues, contribute to meaningful projects, and develop a well-rounded understanding of Consumer Default Servicing.

Department Overview

The Consumer Default Servicing group helps customers who are experiencing financial hardship by supporting them through different stages of the default servicing process, with the goal of helping customers identify potential solutions and, when possible, return their accounts to a performing status.

The group includes several specialized areas, including Consumer Bankruptcy, Home Equity Line of Credit (HELOC), Repossession and Remarketing, Recovery, and Loan Workout. Each area plays a different role in supporting customers, managing account activity, and navigating complex servicing situations.

As part of Consumer Default Servicing, you’ll gain exposure to how different teams work together to manage customer and business needs. You'll have the opportunity to strengthen skills in problem-solving, account management, data analysis, process improvement, risk awareness, and cross-functional collaboration.

For a recent graduate, this is an opportunity to build a strong foundation in financial services while learning how a major banking organization approaches complex customer and operational challenges.

Primary Responsibilities:

• Complete a series of job rotations, over a set time frame in multiple disciplines, to gain a broader understanding of the roles, how they are utilized at the Bank, and how they work together to deliver solutions and services to internal and external customers
• Manage pipeline of loans ensuring operational processes are completed timely and accurately
• Perform reviews of loans confirming a quality level within the Company’s risk appetite
• Work in customer contact or back-office roles depending upon the preference and skill set of the candidate
• Develop and produce routine departmental reports and spreadsheets, including but not limited to, project analyses, historical reporting and financial analyses.
• Complete data review, research and/or reconciliation.
• Participate in Customer Asset Management Operations Development Program activities.
• 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.

Education and Experience Required:

• Bachelor’s or Master’s degree
• Minimum Cumulative GPA of 3.0
• Up to 1 years' work experience
• Outstanding written and verbal communication skills
• Demonstrated interpersonal skills
• Demonstrated analytical skills
• Demonstrated computer skills
• Prior work/internship experience
• Work Visa Sponsorship not offered for this role

Location