M & T Bank Mortgage Underwriting Quality Control Analyst - Credit Quality - 3DDVX in Cheektowaga, New York

BASIC FUNCTION :

Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.

POSITION RESPONSIBILITIES :

Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.

Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.

Exercise judgment when utilizing escalation process.

Conduct special audits as required in response to requests from Audit, Mortgage Management, and/ or any regulatory agency.

Identify red flags and conduct additional due diligence when applicable.

Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

Promote an environment that supports diversity and reflects the M&T Bank brand.

Complete other related duties as assigned.

MINIMUM QUALIFICATIONS REQUIRED :

Associate’s degree with minimum four (4) years mortgage underwriting experience, or in lieu of a degree, a combined minimum of six (6) years’ higher education and/or work experience, including a minimum of four (4) years’ mortgage underwriting experience.

Working knowledge of agency guidelines.

Ability to work well with all levels of management.

Excellent verbal and written communication skills.

Proven customer service skills.

Demonstrated ability to work well under pressure.

IDEAL QUALIFICATIONS PREFERRED :

FHA DE and VA LAPP certifications.

Proficient in Allregs, Microsoft Excel and Word.

Experience in both Retail and 3rd party originations.

About M&T

At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful,conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer. M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.