M&T Bank

Perform advanced statistical analysis and model construction, support data evaluation with a risk management focus, and provide analytical guidance to junior analysts while ensuring adherence to regulatory standards and risk policies.

Role Description Responsible for underwriting mortgage loans to determine acceptability with M&T Bank and secondary market standards set by the investor to ensure saleability and sound credit quality and adhering to the requirements of federal registration under the SAFE Act. - Underwrite conventional (conforming and non-conforming) residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting. - Ensures loans are in compliance with investor requirements, federal and state laws and regulations. - Performs risk assessment of credit and collateral ensuring loan saleability and sound credit quality. - Responds to and resolves any post-closing issues to ensure loan saleability. - Assist management to clear conditions and expedite loan closings. - Keeps informed of current practices in loan underwriting. - Takes initiative to keep current on changes in investor and M&T guidelines. Qualifications - Associates degree or 2 years relevant experience. - Three years mortgage processing/underwriting experience. Requirements - Complete understanding of investor guidelines and ability to run and interpret AUS findings (DU and LP). - Works with internal staff (Account Executives, Loan Officers, broker Coordinators, Loan Processors, etc.) and external customers (Realtors, Mortgage Brokers, etc.) to expedite the decision process and loan closings for mortgage loans submitted for approval. - Underwriters have frequent day-to-day communication with external and internal customers alike. - The position will re-underwrite and verify monthly, a sampling of loans to ensure the accuracy of the documentation. Benefits - 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. - The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America

• Documents, visualizes, and articulates overall technical health, current and target states of Enterprise Architecture • Develops roadmaps with domain leadership to incorporate industry trend data • Provide consultation services to domain leadership to improve technology delivery and operational efficiency • Research and communicate fact-based recommendations to support the domain in the Enterprise Architecture governance process • Provide thought leadership and build strong stakeholder partnerships • Partner with delivery teams and domain leadership on architecture areas • Research, understand and apply existing, new and emerging technologies and trends • Identify opportunities and approaches for solving domain problems • Create and maintain reference materials for technical delivery team • Participate in the planning and design of strategic initiatives that require architecture guidance

• Manage first-line stakeholder communications related to changes in MRM policies • Conduct live training sessions to promote MRM expectations • Serve as the primary liaison for first-line teams • Manage exam logistics and evidence collection • Develop centralized reporting to enhance Issues Management area for MRM

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts of significant intricacy, complexity and risk • Serves as main point of contact with the client and internal and external service partners • Participates in development and delivery of innovative products and/or services • Works with internal partners as appropriate • Administers transactions that may have significant complexity and impact to GCM, including new and/or high impact clients • Monitor relevant administrative and operational systems, databases and activity related to accounts • Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents and agreements • Ensure coordination of activities related to monitoring risks and ensuring regulatory compliance • Research and resolve issues related to control and client service aspects of assigned accounts • Work with external parties to structure and close GCM transactions • Complete various account administration activities including timely cash flow execution and fee billing • Evaluate fees for suitability and conformance with fee schedules • Manage relationships, cultivating current and prospective clients and referral sources • Provide coverage and support for other Relationship Managers within assigned Section/Unit as required

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts • Serves as main point of contact with the client and internal and external service partners • Monitor relevant administrative and operational systems, databases and activity related to accounts • Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents • Coordinate activities related to monitoring risks and ensuring regulatory compliance • Research and resolve issues related to control and client service aspects of assigned accounts • Work with external parties to structure and close GCM transactions in a timely manner • Complete various account administration activities including timely cash flow execution and fee billing • Participate in sales calls to current and prospective clients and assist in preparation of fee proposals • Manage relationships, cultivating current and prospective clients and referral sources • Implement approved fee increases, discounts and waivers as instructed • Partner with Fee Billing to monitor and timely collect aged receivables • Provide coverage and support to other Relationship Managers • Represent GCM at transaction closings and client meetings • Participate in departmental projects and Corporate initiatives • May supervise and/or mentor less experienced associates

Role Description Responsible for due diligence and direct underwriting specializing in Agency Conventional Underwriting. - Analyze/Spread operating statements for multifamily loan transactions in accordance with Fannie Mae and Freddie Mac guidelines. - Responsible for accurate loan sizing and overall risk assessment prior to/or after application utilizing specific Investor underwriting guidelines and requirements. - Interview prospective borrowers and property managers to obtain critical property, management, and borrower details for each transaction. - Work closely with loan originators to help negotiate deal terms and resolve outstanding issues. - Interact with respective Investor Representatives (Fannie Mae, Freddie Mac, etc) regarding loan transaction terms and waivers. - Inspect property in accordance with Investor guidelines (travel required-national). - Obtain and review all third party reports associated with each transaction as required by specific investor. - Completion of underwriting narrative/committee package. - Review of commitment letter and handoff to loan closing department. - Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. - Complete other related duties as assigned. Qualifications - Bachelor's Degree or equivalent work experience and 5 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) or in lieu of a degree a combined minimum of 9 years’ higher education and/or work experience including a minimum of 5 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training). - Experience with multifamily loan transactions in accordance with Fannie Mae and Freddie Mac guidelines. - Ability to multi-task. - Proficiency in Excel and Word programs. - Strong verbal and written communication skills. - Strong analytical skills. Benefits - We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships. - Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. - Approved Fannie Mae DUS® and Freddie Mac Optigo® lender since 1989. - One of the nation’s leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience. - We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution. - Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan. Compensation M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America

• Lead independent validation of complex quantitative models, including liquidity, IRRBB, FTP, QRM, and other Treasury and risk management models. • Apply model risk governance standards, ensuring alignment with internal policies and regulatory expectations. • Perform comprehensive testing such as conceptual soundness reviews, implementation verification, benchmarking, sensitivity analysis, challenger model development, and performance testing. • Prepare high-quality validation documentation, including Model Validation Reports, technical appendices, and supporting analyses. • Present validation results to model owners, developers, and risk/governance partners, and support issue remediation.

Title: RCC Asset Manager II - Freddie Mac Team Location: United States Job Description: M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. As a full-service mortgage banking company, we specialize in providing competitive financing nationwide for commercial real estate. Location: Open to remote if based outside of M&T's footprint Overview: The primary function of this position is the servicing and asset management of multifamily loans originated by M&T Realty Capital Corporation for Freddie Mac in accordance with their requirements. Primary Responsibilities: - Review, analysis and processing of financial statements, performing and reviewing property inspections - Completing reserve for replacement and non-critical draw requests - Escrow processing, and the review and processing of easement requests, ownership changes and other servicing and asset management functions that may arise - Other responsibilities may include the processing of construction and sub rehabilitation loans, and all job functions related to those transactions - Additional responsibilities include training, coaching and otherwise provide guidance to less experienced Servicing staff and serve as a point of reference for servicing and asset management related questions - Throughout the life cycle of each assigned loan, serve as the key point of customer contact with the borrower on servicing- and asset management-related matters. - Willingness to travel out of state and stay overnight. - 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 belonging 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. Education and Experience Required: Bachelor's degree with 4 years related multifamily/commercial real estate industry including loan administration, asset management/servicing or underwriting experience relating to multifamily/commercial real estate loan transactions or in lieu of a degree a combined minimum of 8 years higher education and/or related work experience. Experience with a variety of software applications including Microsoft office systems and commercial loan information systems. Strong communication skills. Good interpersonal skills with the ability to interact with all levels of personnel. Ability to function effectively as a team member. Detail oriented and good time management skills. Education and Experience Required: Freddie Mac asset management experience strongly preferred Why Choose MTRCC: We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. We leverage the power of our balance sheet and other financial services to provide a wide array of resources to fit our clients' needs. Approved Fannie Mae DUS and Freddie Mac Optigo lender since 1989 One of the nation's leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $94,400.00 - $157,400.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Baltimore, Maryland, United States of America

• Leads end-to-end Commercial Card Implementation (CCI) strategy and execution • Overseeing client onboarding, pipeline acceleration, operational risk management • Participates in product and fintech launches • Serves as a cross-functional leader partnering with Sales, Product, Solution Delivery, Risk, and fintech partners to accelerate time to revenue and deliver scalable, high-quality client experiences • Lead complex and high-value client implementations, including structured kickoff calls, site visits, and end-to-end onboarding • Oversee delivery of platform and technical installs (e.g., Online Client Facing program management platforms, Payables Automation platforms, QuickBooks integrations) • Ensure consistent, high-quality onboarding experiences that drive adoption and satisfaction • Partner with Product Management to operationalize new and enhanced products • Maintain deep platform expertise to support delivery and reduce dependency on Product teams • Actively manage pipeline pull-through with Sales to resolve stalled or complex deals • Drive reductions in documentation and credit cycle times • Own operational risk management across CCI with strong controls and governance • Lead audit engagements, targeting at minimum, “effective” ratings across all functions • Maintain high service levels for assigned high-value clients