Mortgage Underwriting Quality Control Analyst - Credit Quality- Remote

Qualifications: Candidates must possess both of the following active certifications and have recent experience underwriting FHA and VA mortgage loans:

• Proven experience underwriting both FHA and VA mortgage loans

Candidates who do not hold certifications will not be considered.

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

Associate’s degree with minimum 4 years’ mortgage /underwriting experience,

A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage /underwriting experience.

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.