Investor Accounting Analyst
ValonFull Time
Mid-level (3 to 4 years)
Candidates must have a high level of detail and a desire to mentor others. An established relationship with Agency and/or HUD lending partners is necessary. The Deputy Chief Underwriter will be responsible for direct underwriting of multifamily and/or healthcare transactions under Fannie Mae, Freddie Mac, and/or FHA programs, or balance sheet/bridge loans.
The Deputy Chief Underwriter will serve as a mentor to junior analysts and underwriting trainees, reviewing transactions underwritten by all staff levels and providing guidance on underwriting issues. They will analyze and manage the multifamily underwriting process, ensuring loans are underwritten according to investor guidelines and commitments are issued promptly. Responsibilities include accurate loan sizing, risk assessment, interviewing borrowers, reviewing subordinate debt documents, working with originators on deal structure, interacting with investor representatives, inspecting properties, obtaining and reviewing third-party reports, completing underwriting narratives, and managing the submission process with the processing team. The role also involves reviewing commitment letters, staying updated on relevant legislation, providing feedback on transaction structuring and viability, addressing post-closing requests, adhering to company risk and regulatory standards, and maintaining internal control standards.
Full-service banking for individuals and businesses
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.