Mortgage Senior Underwriter - Remote

Overview

Responsible for underwriting mortgage loans, including government loans to determine acceptability with M&T Bank and secondary market standards set by the investor to ensure saleability and sound credit quality while adhering to the requirements of Federal registration under the SAFE Act.

In Short

• Underwrite conventional FHA, VA residential mortgage loans.
• Ensure compliance with investor requirements and federal laws.
• Perform risk assessment of credit and collateral.
• Resolve post-closing issues to ensure loan saleability.
• Assist management in clearing conditions for expedited loan closings.
• Maintain knowledge of current underwriting practices.
• Communicate with internal and external stakeholders frequently.
• Re-underwrite and verify loans monthly for documentation accuracy.
• Establish federal registration requirements under the SAFE Act.
• Complete other related duties as assigned.

Requirements

• Associate's degree or equivalent work experience.
• 4-6 years of mortgage underwriting experience.
• Direct Endorsement (DE) or LAPP approval preferred.
• Full knowledge of credit risk and appraisals.
• Strong verbal and written communication skills.
• Thorough understanding of DU/LP valuations.
• Ability to make sound saleable decisions.
• Understanding of risk assessment processes.

Benefits

• Competitive salary and market-informed pay.
• Comprehensive benefits package including medical and retirement.
• Forty hours of paid volunteer time each year.
• Support for employee growth and development.
• Commitment to diversity and equal employment opportunities.