Hybrid Senior Mortgage Document Review Specialist – Loss Mitigation Operations

at M&T Bank

• Job title: Senior Mortgage Document Review Specialist – Loss Mitigation Operations
• Job type: Full Time
• Experience level: Senior
• Salary: $21 - $34 per hour
• Degree requirement: Associate's Degree
• Location requirements: Hybrid, Getzville, United States

About the role

• Senior Mortgage Document Review Specialist reviewing complex loan documentation for loss mitigation at M&T Bank. This role ensures accuracy and compliance with investor and regulatory standards.

Responsibilities

• 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