Mortgage Processor IV

M&T Bank Corporation; Town of Ballston (NY); Hybrid; USD 47,000 - 78,000; Full time

Job summary

M&T Bank Corporation is seeking a Mortgage Processor IV in Ballston Lake, NY. The role focuses on analyzing condo, co-op, and PUD projects against investor guidelines and documents loan-level decisions.

You will partner with Risk Management and cross-functional teams to resolve exceptions and ensure accurate loan delivery. The ideal candidate has 4+ years of mortgage processing or underwriting experience, strong Excel/Word skills, and a meticulous, collaborative work style in a fast-paced

Qualifications

• 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.

Responsibilities

• Review and analyze condo, co-op and pud project documentation against current investor guidelines.
• 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.
• 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 notify 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.

Skills

Communication

Excel

Word

Adobe

Email platform

Attention to detail

Multitasking

Time management

Education

Associate degree

Tools

Microsoft Office

Job description

## Mortgage Processor IVApplyremote type: Hybrid Positionlocations: Ballston Lake, NYtime type: Full timeposted on: Posted Todayjob requisition id: R88896# **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### About UsGreat 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 and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.**As an employer of choice, we are proud to offer** **competitive benefits** ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. ViewM&T’s Human Capital Report to learn more.**Ready to join our team?** Submit your application today!If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [e-mail] for assistance.M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.