Mortgage Processor 3

**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 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. **Education and Experience Required** ------------------------------------- * Associates Degree or two years equivalent work experience. * Two to three years prior mortgage processing or underwriting experience. **Education and Experience Preferred** -------------------------------------- * Good PC skills with strong 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. * Strong attention to detail. * Prioritization of daily workload. * Ability to work in a team environment. * Strong work ethic, reliable and dependable. 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** ============ Cherry Hill, New Jersey, United States of America