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. Responsible for adherence to compliance guidelines and to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Maintain effective communication with all necessary parties involved in a new loan application, from the customer, broker, correspondent, loan officer, 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...

Overview: Responsible for underwriting mortgage loans, including government loans to determine acceptability with M&T Bank and secondary market standards set by the investor to ensure saleability and sound credit quality while adhering to the requirements of Federal registration under the SAFE Act. Primary Responsibilities: Underwrite conventional (conforming and non-conforming) FHA, VA residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting. Ensures loans are in compliance with investor requirements, federal and state laws and regulations. Performs risk assessment of credit and collateral ensuring loan saleability and sound credit quality. Responds to and resolved any post-closing issues to ensure loan saleability. Assist management to clear conditions and expedited loan closings. Keep informed of current practices in loan underwriting. Take initiative to keep current on changes in investor and M&T...