Mortgage Processor 4

**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