Senior Mortgage Document Review Specialist – Loss Mitigation Operations
M&T Bank
full-time
Posted on:
Location Type: Hybrid
Location: Getzville • New York • United States
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Salary
💰 $21 - $34 per hour
Job Level
About the role
- Receive executed loss mitigation documents from borrowers and internal partners, including complex and high‑risk loan scenarios.
- Perform advanced validation of signatures, dates, notary acknowledgments, investor overlays, and state‑specific legal requirements.
- Review, scan, code, and upload documents into systems of record, ensuring accuracy and completeness.
- Prepare, reconcile, and route full document packages – often with escalated risk factors – to Quality Control, Legal, or Investor Review teams as needed.
- Serve as a resource for junior team members by providing guidance on documentation standards and complex review scenarios.
- Interpret and apply complex investor waterfalls, guidelines, and documentation standards across a broad range of loss mitigation programs.
- Review and validate detailed borrower documentation, including but not limited to: bank statements, paystubs and income calculations, hardship letters, benefit and rental income statements, affidavits and state‑specific forms.
- Identify documentation gaps, inconsistencies, or compliance risks and proactively resolve them.
- Request missing or additional documents and ensure proper follow‑through.
- Partner closely with Single Point of Contact (SPOC) teams, Quality Control, Legal, and Processing on escalated or high‑risk files.
- Ensure adherence to internal controls, regulatory requirements, investor guidelines, and audit expectations.
- Assist with process improvement initiatives, procedural updates, and training support as needed.
- Perform additional duties as assigned, including supporting audit or regulatory inquiries.
Requirements
- A combined 3 years’ higher education and/or work experience including a minimum of 1 year default servicing experience.
- Office operations or document processing.
- Call center, customer service, or branch banking experience.
- Handling physical documents and navigating multiple computer systems.
- Strong multitasking and organizational skills.
- Excellent attention to detail and critical thinking.
- Proficiency with word processing and spreadsheet applications.
- Knowledge of M&T systems (helpful but not required).
Benefits
- Health insurance
- 401(k) matching
- Flexible work hours
- Paid volunteer time
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
document processingvalidation of signatureslegal requirementsdocumentation standardsrisk assessmentcomplianceprocess improvementauditingdata reconciliationincome calculations
Soft Skills
multitaskingorganizational skillsattention to detailcritical thinkingguidancecommunicationproblem-solvingteam collaborationresourcefulnessadaptability