The Role
Process mortgage loan applications by collecting and verifying documentation, analyzing credit/appraisals/income against product, underwriting and investor guidelines, communicating with borrowers and third parties, resolving issues, and preparing closing documentation. Escalate risk issues, ensure regulatory compliance, and support origination administrative tasks to deliver timely loan closings.
Summary Generated by Built In
Overview
Seasoned processor with a strong analytical ability to assess conventional and government loan requests based on a thorough knowledge of product, underwriting, and investor guidelines. Serve as the communication liaison between the customer and M&T’s Mortgage department. Directly assist customers as required in a prompt, courteous and professional manner.
Primary Responsibilities- Maintain effective communication with all necessary parties involved in a new loan application, from the customer, loan officer, realtors, settlement agents, municipalities, and co-workers to ensure a seamless and positive application experience.
- Work with various internal departments as well as external organizations to obtain processing related documentation or obtain necessary information needed to complete an application i.e.: Verification of Employment, IRS Transcripts, title search, appraisal, bank statements, etc.
- Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines.
- Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications to ensure they adhere to product, underwriting and investor guidelines.
- Perform other administrative duties supporting the origination department including, but not limited to: preparing and mailing commitment letters, review title and homeowner’s insurance, mailing loan suspend notices, providing the closing attorney with additional documentation, and all applicable processing checklists.
- Ability to scrutinize a loan application to assess qualification, and is able to restructure a loan or recommend solutions.
- Empowered to review and accept loan conditions based on underwriter requirements.
- Ensures adherence to all regulatory requirements and guidelines.
- Strong analytical/mathematical background to evaluate changes to borrower’s current fee structure, allowable changes to those fees and the re-creation of the required regulatory documents.
- Work closely with both Internal and External Customers such as co-workers, borrower(s) and Loan Officers.
- Identify risk-related issues needing escalation to management.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
- Associates Degree or two years equivalent work experience.
- Two to three years prior mortgage processing or underwriting experience.
- Good PC skills with strong knowledge of Excel, Word, Email Platform and Adobe.
- Ability to make sound decisions based on information provided.
- Knowledge of Product, Investor and Compliance Requirements.
- Versatility and flexibility working within an ever changing fast paced mortgage environment.
- Adapting to new policies and procedures to improve processes and workflow.
- Ability to function independently within time constraints.
- Excellent verbal and written communication skills.
- Highly organized with the ability to multitask.
- Strong attention to detail.
- Prioritization of daily workload.
- Ability to work in a team environment.
- Strong work ethic, reliable and dependable.
Skills Required
- Associates Degree or two years equivalent work experience.
- Two to three years prior mortgage processing or underwriting experience.
- Strong analytical ability to assess conventional and government loan requests.
- Thorough knowledge of product, underwriting, and investor guidelines.
- Good PC skills with strong knowledge of Excel, Word, Email Platform and Adobe.
- Knowledge of Product, Investor and Compliance Requirements.
- Ability to make sound decisions based on information provided.
- Excellent verbal and written communication skills; ability to work with internal and external customers.
- Highly organized with strong attention to detail, ability to multitask and prioritize workload.
- Versatility and flexibility in a fast paced mortgage environment; ability to function independently.
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
-
Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
-
Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
-
Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
M&T Bank Insights
Am I A Good Fit?
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.
Success! Refresh the page to see how your skills align with this role.
The Company
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
