Easter Seals Jobs

Job Summary:

We are seeking an experienced and results-driven Underwriting Manager to lead a mortgage underwriting team. The Underwriting Manager will oversee the underwriting process, ensuring that all mortgage loans are underwritten in compliance with regulatory requirements, M&T policies, and investor standards. The successful candidate will possess strong leadership skills, in-depth knowledge of mortgage underwriting, and a commitment to maintaining high-quality standards.

Key Responsibilities:

• Team Leadership: Manage, mentor, and develop a team of mortgage underwriters, providing guidance and support to ensure high performance and professional growth.

• Loan Review: Oversee the underwriting of mortgage loan applications to assess creditworthiness, collateral, and risk, making final decisions on loan approvals or denials.

• Compliance: Ensure that all underwriting activities are conducted in accordance with federal and state regulations, investor guidelines, and internal policies.

• Risk Management: Identify, analyze, and mitigate potential risks in the underwriting process, recommending policy changes as necessary.

• Quality Control: Establish and maintain quality control procedures to ensure the accuracy and integrity of the underwriting process.

• Process Improvement: Continuously evaluate and improve underwriting processes to enhance efficiency, reduce turnaround times, and maintain service levels.

• Collaboration: Work closely with other departments, including sales, processing, and closing, to ensure seamless communication and a smooth loan process.

• Reporting: Prepare and present regular reports on underwriting performance, trends, and challenges to senior management.

• Training: Develop and implement training programs to keep the underwriting team current on industry trends, regulatory changes, and best practices.

Supervisory/ Managerial Responsibilities:

Responsible for multiple direct reports at both a supervisor and / or operations manager level. Oversee a department of 15+ employees.

Education and Experience Required:

Bachelor’s Degree and a minimum of 5 years operations experience,

OR in lieu of a degree,

A combined minimum of 9 years higher education and/or work experience, included a minimum of 5 years operations experience.

Minimum five years supervisory/management experience.

Knowledge of process improvement methodology and business process management techniques

Excellent verbal and written communication skills.

Strong interpersonal skills necessary for business partner relationships within and outside organization.

SAFE Act registration required

Education and Experience Preferred:

Master’s Degree

Ability to work individually as well as a member of a team.

Self-motivated, well-organized individual.

Ability to work under time constraints.

Ability to handle multiple tasks in support of various assignments.

Ability to function professionally at many different levels (clients, management, and peers).

Knowledge of applicable products, systems and workflows.

Proficient in software utilized in department to include Microsoft Office.

Knowledge of bank strategic vision and mission with ability to link specific department/division mission.

Knowledge of bank-wide policies and procedures and responsible area.

• Certifications: Relevant certifications are a plus. Direct Endorsement Underwriter certification or 3 years of experience with complex transactions is required.

• Knowledge: Comprehensive understanding of mortgage products, underwriting guidelines, and regulatory requirements.

• Leadership Skills: Proven ability to lead and motivate a team, manage multiple priorities, and drive results in a fast-paced environment.

• Communication: Excellent verbal and written communication skills, with the ability to effectively convey complex information to both technical and non-technical audiences.

• Problem-Solving: Strong decision-making and problem-solving abilities, with a focus on delivering high-quality outcomes.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,104.04 - $141,840.07 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Ballston Lake, New York, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.