M&T Bank: Mortgage Originator

Location: On site in Charlotte, NC, Miami Lakes, FL, Plano, TX, Houston, TX, Birmingham, AL or Baton Rouge, LA.

Underwrites residential mortgage loan applications according to agency, investor, regulatory and internal First Horizon guidelines. Analyzes all aspects of the loan application and supporting documentation to make prudent credit decisions which maximize organizational profit and minimize risk or loss. Provide quality and timely customer service to internal and external customers.

Independently evaluate a variety of complex residential mortgage credit applications, credit bureau information, collateral valuation, complicated tax returns, financial statements, sales contracts, title, insurance and/or other supporting documentation to decide loans within designated authority levels by way of automated underwriting tools.

Review and evaluate loan viability and identify risk issues and potential fraud.

Comply with bank policies and procedures, regulatory requirements, and investor/internal guidelines.

Effectively communicate with sales and operations partners regarding loan approvals, condition clarifications, deficiencies, and denials.

Respond to audits and post-closing issues in a timely manner.

Proactively manage an individual loan pipeline daily, prioritizing files and ensuring loan closing dates are met as well as company turn-time standards.

Mentor less experienced underwriters and provide second level reviews for training files.

Thorough understanding of mortgage lending regulations, underwriting guidelines, unique product types (bond, jumbo, portfolio) and the residential mortgage loan process.

Excellent verbal and written communication skills, including ability to concisely articulate the borrower’s financial profile and associated risks.

Medical with wellness incentives, dental, and vision.

Tuition reimbursement.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.