Job Information

M&T Bank Operations Associate IV - Default Cash Mortgage Payment in Buffalo, New York


This is not a remote position

Sign-On/Retention Bonus Included for new hires joining the bank

Company Overview

Together, M&T Bank and Wilmington Trust, a part of M&T Bank Corporation, represent one of the country's leading depository and lending franchises, a premier wealth advisory firm, and the partner of choice for corporate transactions and structures. As one of strongest, most successful companies in the U.S. financial services industry, M&T continues to grow, offering value to our shareholders and opportunity to qualified professionals. Join our team of over 15,000 professionals and you'll understand what drives our longstanding success: a promise of exceptional client service, a commitment to our communities, a focus on building long-term relationships, and a dedication to being the best employer you'll ever have.

The Opportunity

Completes skilled processing and research duties related to mortgage payoff. The jobholder will work in Mortgage Payoffs and is responsible for mid-level tasks noted above. This requires the position to complete mathematical analyses and expanded use of judgment within assigned department. The jobholder requires highly specialized knowledge of the servicing system, products and pertinent policies and regulations.

Primary Responsibilities

Complete complex data entry, system updates, analysis and Interpretation related to mortgage payments, payoffs and special product maintenance.

Complete non-standardized document review and validation related to mortgage notes, modifications and ACH (Automated ClearingHouse) agreements.Complete intermediate-level document review and/or preparation related to verification of mortgage loan documents and adherence to procedures.Respond to or initiate non-standardized requests on exception payment applications or mortgage document term research.Complete high complexity non-standardized research on missing or misapplied payments and payoffs.Complete intermediate-level analysis and reconciliations and assist in review and research of reconciling items.Complete non-standard exception processing of payments, payoffs and ARM (Adjustable Rate Mortgage) criteria outside current system logic. May contact internal business partners or external customers regarding issues around mortgage payment, payoff or payment parameters.Work with, assist, complete quality control and provide coaching/training to offshore vendors who are processing work on behalf of the Bank.Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. Promote an environment that supports diversity and reflects the M&T Bank brand.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.Complete other related duties as assigned.

Minimum Qualifications Required

Associate's degree and a minimum of 1 year's general work experience, or in lieu of a degree, a combined minimum of 3 years' higher education and/or work experience, including a minimum of 1 year's general work experienceProven internal and external customer service experience Proficiency with personal computer, as well as, Microsoft Excel, Outlook and Word Demonstrated verbal and written communication skillsDemonstrated complex problem-solving skills

Ideal Qualifications Preferred

Bachelor's degree

M&T is among the top 20 U.S.-based commercial bank holding companies with more than $79 billion in assets and more than 780 branches in New York, Maryland, Pennsylvania, Virginia, Delaware, New Jersey, West Virginia, Florida and Washington D.C. With more than 150 years of experience, M&T Bank is committed to be the best company our employees ever work for, the best bank customers ever do business with and the best investment our shareholders ever make.

Apply today at!


Buffalo, New York, United States of America

At M&T Bank, we make a difference in people’s lives . For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers.

Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report ( to learn how it feels to be one of our 17,000+ employees.

We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences.

We support our employees every step of the way.

  • Competitive compensation

  • Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance

  • Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO

  • 401(k) match at 5% with options for Roth and discretionary employer contributions

  • A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more

  • Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts

We need you. Are you ready to join us? Apply today to start the journey.

If you are unable to apply through this site due to technical issues, please contact us at for assistance.

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.