Quality Control Analyst (Mortgage Loan Documentation – Loss Mitigation Operations) - Hybrid
M&T BankOverview:
The Loss Mitigation Quality Control Analyst plays a critical role in M&T Bank’s end‑to‑end mortgage loan workout documentation lifecycle. This position ensures the accuracy, completeness, and regulatory compliance of all documents related to loss mitigation workouts – both before documents are sent to borrowers (Document Drafting QC) and after executed packages are returned (Incoming Mail QC). Candidates may be placed on either QC team depending on skills, experience, and business needs. Both teams perform essential quality assurance work in a fast‑paced, detail‑driven environment where accuracy and independent decision‑making directly impact compliance, customer experience, and loan performance.
Core Responsibilities (for both QC teams):
Perform quality control reviews on physical and digital loss mitigation documents using multiple systems and vendor platforms.
Verify accuracy, completeness, and regulatory compliance of all forms, signatures, dates, notary blocks, and loan terms.
Compare documents to internal systems of record to ensure data alignment.
Identify, track, and document defects or inconsistencies; escalate issues in accordance with internal policies.
Communicate findings to drafting specialists, processors, and third‑party vendors to ensure timely resolution of issues.
Maintain detailed QC documentation to support audit readiness, reporting, and trend analysis.
Support process improvement efforts to reduce error rates and improve workflow efficiency.
Adhere to all company risk standards, regulatory requirements, and internal controls.
Team Placement:
Depending on your strengths and experience, you may be placed on either of the teams below. Both teams require a strong eye for detail, excellent judgment, and the ability to work with physical documents alongside multiple digital systems.
Document Drafting Quality Control (Pre‑Execution QC): Review vendor‑drafted workout documents for accuracy before they are sent to the borrower. Validate that documents reflect final underwriting decisions and meet federal/state requirements. Confirm all terms, calculations, and borrower information are correct. Approve document packages for vendor distribution to customers.
Incoming Mail Quality Control (Post‑Execution QC): Review completed borrower‑signed packages received from the Incoming Mail team. Check for proper execution, including signatures, notarizations, dates, state‑specific forms, and completeness. Ensure the system reflects accurate payment and loan information before forwarding to the System Updates team. Confirm that no deficiencies could cause rejection or delays in the workout process.
How QC Fits Into the Full Workflow:
To give context to the teams you’ll interact with, our workflow process is below. Our QC teams are the critical final checkpoints that protect the customer, the bank, and compliance risk.
Document Drafting: Draft initial workout documents through vendor systems.
Document Drafting QC (where you may be placed): Review for accuracy before documents are mailed to borrowers.
Incoming Mail: Receive and review executed borrower document packages.
Incoming Mail QC (where you may be placed): Perform final QC before loans move to System Updates.
A Day in the Life:
Manage a queue of document packages requiring quality control review.
Flip between multiple systems and physical documentation to verify accuracy.
Make independent decisions on whether documents meet standards or require correction.
Communicate findings professionally to upstream teams and vendors.
Track error trends and support team process improvements.
Deliver high‑quality work within established turnaround times.
Education and Experience Required:
Associate degree, or equivalent work experience
1+ year of related work experience, such as quality control or review experience.
Education and Experience Preferred:
Experience working with physical documents and navigating multiple computer systems.
Strong attention to detail and accuracy.
Ability to think independently and make sound decisions.
Strong multitasking and organizational skills.
Solid verbal and written communication abilities.
Call center, branch banking, or operations environments.
Loan processing, mortgage servicing, documentation review, or underwriting support.
Audit, QA, or compliance‑related roles.
Analytical mindset with proven critical‑thinking skills.
Proficiency with spreadsheets, word processing, and document management tools.
Experience delivering written or verbal feedback.
What Success Looks Like:
High accuracy and low rework rates.
Consistent compliance with QC standards and SLAs.
Clear, effective communication with internal teams and vendors.
Strong collaboration with drafting and mail teams to prevent recurring errors.
Clean audit outcomes and strong documentation practices.
Work Model & Location:
This is a hybrid role requiring four days in-office per week.
Eligible candidates must live within reasonable commuting distance to 475 Crosspoint Parkway, Getzville, NY 14068.
Work Schedule & Availability Requirements:
Regular Schedule: Monday-Friday. Flexible start time between 7:00am and 8:00am. 8 hour workday with a 30 minute lunch break.
Possible Overtime: Mandatory overtime may be required at times based on workload. Overtime hours may include longer shifts during the week and/or possible Saturday shifts from 8:00am to 12:00pm.
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M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.