• Collections & Skip Tracing Specialist

    M&T Bank (Millsboro, DE)


    Overview:

    Are you a persistent problem-solver who thrives in a fast-paced environment? Do you enjoy investigative work and thinking creatively to connect with people? If so, this role might be a great fit for you. As a Collections & Skip Tracing Specialist, you’ll be the last line of defense before accounts are charged off. You’ll work with a wide range of consumer loan products—including credit cards, auto loans, personal loans, overdraft lines, and even boats and RVs—to recover past-due balances. This isn’t just a customer service role; it’s a dynamic position that blends outbound calling, skip tracing, negotiation, and strategic thinking.

    Primary** Responsibilities **:

    + **Actively pursue repayment** from customers in mid-to-late stages of delinquency (typically 90–150 days past due).

    + **Make outbound calls** (targeting ~80 per day) to customers or other contacts to establish communication and negotiate repayment plans.

    + **Use skip tracing tools** and investigative techniques to locate hard-to-reach customers.

    + **Think creatively** to find new ways to connect with customers and resolve delinquent accounts before charge-off.

    + **Work across multiple loan types** , including credit cards, auto loans, personal loans, overdrafts, and more.

    + **Collaborate with third parties** , including attorneys, bankruptcy trustees, and external collection agencies when necessary.

    + **Stay flexible** —some days will be call-heavy, others will focus more on skip tracing and research.

    Scope of Responsibilities:

    + This position works under general supervision and has autonomy when performing skip-trace.

    + In addition, this position does have the authority to waive late fees, within guidelines.

    Education and Experience Required:

    + A combined minimum of 3 years’ higher education and/or work experience.

    + At least 1 year experience in collections

    Education and Experience Preferred:

    + Skip tracing experience highly preferred

    + A creative, persistent, and resourceful mindset - you’re not afraid to try new approaches.

    + Strong communication skills, both verbal and written.

    + Detail-oriented with the ability to manage multiple tasks in a fast-paced environment.

    + Comfortable using various software tools for research, documentation, and communication.

    + Familiarity with loan products and collections processes.

    + Knowledge of M&T Bank systems (a plus, but not required).

    Scheduled Shift/Required Availability:

    + **Monday-Friday** : 8:00am-4:30pm (one day during the work week will be an evening shift from 12:30pm-9:00pm)

    + **Saturdays** : One Saturday every two months is required (8:00am-12:30pm)

    Working Model/Office Location:

    + This is a hybrid position requiring 2 days in office per week. Eligible candidates must live within commuting distance to one of our two offices below:

    + 475 Crosspoint Parkway, Getzville, NY 14068

    + 499 Mitchell Road, Millsboro, DE 19966

     

    M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.57 - $30.95 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

     

    M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.