M&T Bank: Mortgage Originator

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.
Position Summary River Mortgage Services is seeking an experienced Mortgage Underwriter with a deep understanding of residential mortgage underwriting, investor guidelines, and compliance requirements. This position is responsible for underwriting Conventional, FHA, VA, USDA, and Jumbo mortgage loans for secondary market sale, ensuring each file meets agency, investor, and regulatory standards.
Essential Duties And Responsibilities Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Review and analyze residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and internal guidelines.
• Assist in maintaining investor eligibility and quality standards by adhering to secondary market best practices.
• Participate in ongoing training and contribute to continuous improvement of underwriting policies and procedures.
• Provide clear, consistent communication to loan originators and internal staff regarding conditions, exceptions, and documentation needs.

Requirements Minimum Qualifications: - High School diploma or equivalent

• At least 5 years of mortgage underwriting experience (including Conventional, FHA, VA, USDA, and Jumbo loans)
• Familiarity with appraisal review, income analysis, and collateral evaluation.
• Ability to analyze financial information
• Integrity, discretion, and respect for confidential information are absolutely essential
• Work within a variety of different software and web applications
• Be familiar with and follow policy and procedures, and support Management’s decisions and goals in a positive, professional manner.
• Proficiency in Microsoft Office products to include Word, Excel, and Outlook

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.

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