Sobre esta vaga de Mortgage Processor IV na M&T Bank

M&T Bank · Presencial · Ballston Lake, NY

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.

Education and Experience Required

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.

Education and Experience Preferred

Trained to clear certain conditions as allowed in M&T Policies and Procedures.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Ballston Lake, New York, United States of America

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Sobre a M&T Bank

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve . M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities an