M&T Bank
Finance / FinServ
MortgageProcessorIII
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Mortgage Processor III at M&T Bank. Skills: analytical ability to assess conventional and government loan requests, knowledge of product, underwriting, and investor guidelines, Maintain effective communication, Work with various internal departments as well as external organizations, Monitor, update and analyze credit reports, appraisals, income documentation, and all verifications, scrutinize a loan application to assess qualification, restructure a loan or recommend solutions, review and accep”
Industry & Context.
analytical ability to assess conventional and government loan requests; Ability to scrutinize a loan application to assess qualification; able to restructure a loan or recommend solutions; analytical/mathematical background to evaluate changes to borrower’s current fee structure; allowable changes to those fees; re-creation of the required regulatory documents; Identify risk-related issues
What They're Looking For.
Must Have
Two to three years prior mortgage processing or underwriting experience, Associates Degree or two years equivalent work experience
Nice to Have
Good PC skills with 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, attention to detail, Prioritization of daily workload, Ability to work in a team environment, work ethic, reliable and dependable
What You'll Do.
Maintain effective communication with all necessary parties involved in a new loan application
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
Immediately notifies all necessary parties of irregularities relative to standard mortgage guidelines.
update and analyze credit reports
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.
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.
How You'll Work.
Team & Collaboration
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; Work closely with both Internal and External Customers such as co-workers, borrower(s) and Loan Officers.; Ability to work in a team environment.
Communication Scope
Maintain effective communication; Excellent verbal and written communication skills
Full Job Description
# **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 docum
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