Reviews and executes foreclosure affidavits, verifying factual accuracy, mortgage documentation, notices, legal standing, state and federal compliance, and loan status. Coordinates with internal teams and attorney vendors to resolve discrepancies, determines whether foreclosure actions may proceed, maintains regulatory controls, and may testify in court regarding business records.
Overview:
This position’s main responsibility is to review and execute legal affidavits and minimize risk for M&T Bank.
Primary Responsibilities:- Review a high volume of legal affidavits and associated backup documentation provided by Tier I Reviewer to ensure accuracy and compliance with state laws.
- Return affidavit to Tier I Reviewers if more information is needed.
- Responsible for reviewing all documents for factual accuracy and compliance with federal and state foreclosure requirements, including text summaries of various loan activities, historical financials, compliant letter mailings and state specific interest calculations.
- Review required letters/notices to ensure they were sent correctly and accurately reflected in all affidavits and certifications submitted for review. In addition, review the foreclosure status, bankruptcy status, and loss mitigation status of a loan and determine whether affidavits can be executed and sent to court to proceed with the foreclosure action.
- Review chain of mortgage assignments and note endorsements from origination through current holder to ensure proper foreclosure standing.
- Understand complex power of attorney agreements to identify when documents can be signed.
- Work with attorney firms to resolve any discrepancies while maintaining stringent turn times.
- Ability to understand legal explanations to determine when a concern has been properly explained or when an escalation is needed.
- Maintain knowledge of and compliance with different regulations for each state.
- Occasionally required to appear in court as a witness to attest to business records.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
This position interacts with internal CAM departments and external third-party attorney firm vendors.
Education and Experience Required:A combined 4 years’ higher education and/or work experience, including a minimum of 2 years’ banking/mortgage industry experience.
Working knowledge of word processing, spreadsheet and email software.
Excellent written and verbal communication skills.
Detail oriented.
Motivated, team player with a positive and friendly attitude.
Education and Experience Preferred:Paralegal Certificate.
Foreclosure experience.
Knowledge of M&T Bank systems including BKFS MSP servicing platform and LoanSphere Process Management system.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationGetzville, New York, United States of AmericaM&T Bank New York, New York, USA Office
New York, United States, 0
M&T Bank Wayne, New Jersey, USA Office
Wayne, United States
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