Job Overview
Location
Remote, USA
Job Type
Full-time
Category
DevOps
Date Posted
May 27, 2026
Full Job Description
đź“‹ Description
- • The Mortgage Senior Underwriter is responsible for underwriting mortgage loans, including government loans, to ensure compliance with M&T Bank and secondary market standards, saleability, and sound credit quality while adhering to Federal registration under the SAFE Act.
- • Day-to-day responsibilities include underwriting conventional (conforming and non-conforming) FHA, VA residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting; ensuring compliance with investor requirements, federal and state laws and regulations; performing risk assessment of credit and collateral; responding to and resolving post-closing issues; assisting management to clear conditions and expedite loan closings; staying current on investor and M&T guidelines; adhering to compliance/operational risk controls; promoting an inclusive environment reflecting the M&T Bank brand; maintaining internal control standards; and completing other related duties as assigned.
- • The role involves frequent day-to-day communication with internal staff (Account Executives, Loan Officers, broker Coordinators, Loan Processors) and external customers (Realtors, Mortgage Brokers) and third parties to expedite decision-making and loan closings; complete understanding of investor guidelines and ability to run and interpret AUS findings (DU and LP); re-underwriting and verifying a monthly sampling of loans for documentation accuracy; and establishing and maintaining federal registration requirements under the SAFE Act.
- • The position offers the opportunity to deepen expertise in mortgage underwriting, regulatory compliance (including SAFE Act), risk assessment, and investor guidelines; develop strong communication and collaboration skills across internal and external stakeholders; gain experience with AUS systems (DU/LP); and contribute to sound lending practices that support M&T Bank’s brand and commitment to belonging.
🎯 Requirements
- • Associate’s degree or 2 years of relevant work experience in lieu of degree
- • 4 years of mortgage underwriting experience with Direct Endorsement (DE) or LAPP approval, OR 5 years underwriting experience including 2 years on a unique product (CRA, construction, State Bond, etc.), OR 6 years conventional underwriting experience
- • Thorough knowledge of conforming and non-conforming guidelines, DU/LP valuations, and applicable industry tools to ensure saleability
🏖️ Benefits
- • Competitive hourly pay range of $26.00 - $43.34 (USD), informed by knowledge, skills, and experience
- • Commitment to fair, competitive, and market-informed compensation
- • Opportunity to work remotely within the USA
- • Role supports professional growth in mortgage underwriting, compliance, and risk management within a established financial institution
Skills & Technologies
See exactly how your profile matches this role — strengths, skill gaps, and what to do about them.
About Manufacturers and Traders Trust Company
Manufacturers and Traders Trust Company, operating as M&T Bank, is a U.S. regional bank holding company headquartered in Buffalo, New York. Founded in 1856, it provides retail and commercial banking, trust, investment, mortgage, and insurance services across the Northeast and Mid-Atlantic. M&T operates more than 1,000 branches and serves individuals, businesses, and institutions through an integrated network of banks, broker-dealers, and financial advisors, emphasizing relationship-based banking and community development.
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