**Overview:**

Responsible for underwriting mortgage loans to determine acceptability with M&T Bank and secondary market standards set by the investor to ensure saleability and sound credit quality and adhering to the requirements of federal registration under the SAFE Act.

**Primary Responsibilities:**

+ Underwrite conventional (conforming and non-conforming) residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting.
+ Ensures loans are in compliance with investor requirements, federal and state laws and regulations.
+ Performs risk assessment of credit and collateral ensuring loan saleability and sound credit quality.
+ Responds to and resolves any post-closing issues to ensure loan saleability.
+ Assist management to clear conditions and expedite loan closings.
+ Keeps informed of current practices in loan underwriting.
+ Takes initiative to keep current on changes in investor and M&T guidelines....