M&T Bank

Mortgage Capital Markets Expert

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial ServicesIndustries

Requirements

Candidates should possess a Bachelor’s degree in Finance, Economics, or a related quantitative field, and have at least 7 years of experience in mortgage capital markets, specifically with commercial mortgage servicing rights (CMSRs). Strong analytical and modeling skills are essential, along with a deep understanding of mortgage finance and risk management. Experience with valuation techniques and financial modeling is required, and familiarity with regulatory guidelines related to mortgage servicing is preferred.

Responsibilities

The Mortgage Capital Markets Expert will develop and maintain models to value and forecast the performance of CMSRs, support analysis and reporting of the Capital Markets residential mortgage pipeline & portfolio, and serve as a subject matter expert in mortgage pipeline and MSR risk management and valuation. They will collaborate with various business lines to ensure model accuracy, provide leadership and guidance on strategic decisions, lead projects to enhance the framework, and stay abreast of regulatory guidance. Additionally, the role involves supporting senior management with reporting, managing internal controls, and potentially overseeing staffing and performance management activities.

Skills

Mortgage Valuation
Financial Modeling
Risk Management
CMSRs
Quantitative Analysis
Banking Industry Knowledge
Team Leadership
Reporting & Analysis

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters
1993Year Founded
IPOCompany Stage
Financial ServicesIndustries
10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.
Integration challenges from the United Bank merger may disrupt operations.
Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.
The bank offers a wide range of traditional and digital banking services.
Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.
Decreased prime rate may attract more borrowers, increasing loan volume.
Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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