[Hiring] Mortgage Underwriting Quality Control Analyst - Credit Quality @M&T Bank

Role Description

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.

• 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.
  • 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 belonging and reflects the M&T Bank brand.
• Complete other related duties as assigned.

Qualifications

• Active FHA Direct Endorsement (DE) Certification.
• Active VA LAPP/SAR Certification.
• Proven experience underwriting both FHA and VA mortgage loans.
• Associate’s degree with minimum 4 years’ mortgage/underwriting experience, OR in lieu of a degree, a combined minimum of 6 years’ higher education and/or work experience, including a minimum of 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.

Requirements

• FHA DE and VA LAPP certifications.
• Proficient in Allregs, Microsoft Excel and Word.
• Experience in both Retail and 3rd party originations.

Benefits

• M&T Bank is committed to fair, competitive, and market-informed pay for our employees.
• The pay range for this position is $54,100.00 - $90,100.00 Annual (USD).
• The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
• The range listed above corresponds to our national pay range for this role.
• The specific pay range applicable to you may vary based on your location.

Company Description

Location: Clanton, Alabama, United States of America