The Role
Senior mortgage processor who reviews and analyzes condo, co-op, and PUD project documentation against investor and regulatory guidelines, documents findings, recommends restructures, coordinates with Risk Management and internal/external stakeholders, ensures accurate post-closing delivery, and identifies risk for escalation.
Summary Generated by Built In
Overview
Senior Processor with exceptional analytical ability to assess conventional, portfolio and government loan requests based on product, underwriting, and investor guidelines.
Primary Responsibilities- Review and analyze condo, co-op and pud project documentation against current investor guidelines, ie: Agency, Govt, Portfolio. Documentation such as but not limited to:
- Questionnaires
- Project declarations/bylaws
- HOA Budgets/Financial Statements/Reserve Studies
- Engineer reports
- Open Litigations
- Project master insurance policies
- Document findings and provide clear loan-level decisions.
- Provide restructure recommendations when project does not meet specific loan program guidelines.
- Work with Risk Management (Mortgage Exception Review) to discuss risk with projects that fall into the non-warrantable category to determine whether any exception can be made.
- Work with all departments through post-closing to ensure all necessary information is included and accurately represented for loan delivery.
- Maintain knowledge of evolving investor requirements.
- Maintain effective communication with all necessary parties involved in a new loan application,
- Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines.
- Ensure adherence to all regulatory requirements and guidelines.
- Work closely with both Internal and External Customers such as grant providers, co-workers, borrowers, Loan Officers, municipalities, contractors, architects, HUD consultants, etc.
- 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 4 years equivalent work experience.
- 4+ years prior mortgage processing or underwriting experience.
- Good PC skills with strong knowledge of Excel, Word, Email Platform and Adobe.
- Proficient with all Retail Requirements, including all state specifics
- 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.
- Trained to clear certain conditions as allowed in M&T Policies and Procedures.
Skills Required
- Associates degree or 4 years equivalent work experience
- 4+ years prior mortgage processing or underwriting experience
- Strong PC skills with knowledge of Excel, Word, Email platforms and Adobe
- Proficient with all retail requirements, including state-specific regulations
- Knowledge of product, investor and compliance requirements
- Ability to make sound decisions based on provided information
- Versatility and flexibility in a fast-paced mortgage environment
- Ability to function independently within time constraints
- Excellent verbal and written communication skills
- Highly organized with ability to multitask and prioritize daily workload
- Strong attention to detail
- Ability to work in a team environment; reliable and dependable work ethic
- Trained to clear certain conditions as allowed in M&T policies and procedures
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.
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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.
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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.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
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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.
