Job Overview
Location
Remote, USA
Job Type
Full-time
Category
DevOps
Date Posted
May 27, 2026
Full Job Description
đź“‹ Description
- • As a Senior Mortgage Underwriter at Manufacturers and Traders Trust Company (M&T Bank), you will play a critical role in evaluating and approving mortgage loans, ensuring they meet investor guidelines, federal regulations, and internal risk standards to support sound lending practices and loan saleability.
- • Day to day, you will underwrite conventional, FHA, and VA residential mortgage loans using automated underwriting systems (AUS) and manual review, assess credit and collateral risk, ensure compliance with investor and regulatory requirements, resolve post-closing issues, and collaborate with loan officers, processors, and external partners to facilitate timely loan closings.
- • You will be part of M&T Bank’s mortgage lending team, a federally registered institution committed to compliance, risk management, and fostering an inclusive workplace that reflects the bank’s brand and values.
- • In this role, you will deepen your expertise in mortgage underwriting, stay current with evolving investor and agency guidelines, strengthen your risk assessment and decision-making skills, and contribute to maintaining high internal control standards through audit readiness and continuous learning.
🎯 Requirements
- • Associate’s degree or equivalent work experience (2 years relevant experience in lieu of degree)
- • Minimum 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 (e.g., CRA, construction, State Bond), OR 6 years of conventional underwriting experience
- • Thorough knowledge of DU/LP automated underwriting systems and ability to interpret findings
- • Strong understanding of conforming and non-conforming loan guidelines, credit risk assessment, collateral evaluation, and appraisal principles
- • Excellent verbal and written communication skills to interact effectively with internal teams and external stakeholders
- • Commitment to compliance with federal regulations including SAFE Act registration requirements and M&T Bank’s internal control standards
🏖️ Benefits
- • Competitive hourly pay range of $26.00 - $43.34 USD, based on knowledge, skills, experience, and location
- • Opportunity to work remotely within the USA, offering flexibility in work location
- • Access to M&T Bank’s commitment to fair, market-informed compensation and professional development
- • Exposure to a wide range of mortgage products and investor guidelines, enhancing professional expertise
- • Role within a stable, established financial institution focused on compliance, risk management, and inclusive workplace culture
- • Chance to contribute to loan quality and saleability while supporting efficient loan processing and closing timelines
Skills & Technologies
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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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