**Overview:** This position is responsible for submitting loan modification workups for the entire waterfall of investor workout options. **Primary Responsibilities:** + Understand investor’s waterfall and required documents for loss mitigation. + Communicate with customers, real estate agents and attorneys to negotiate short sale settlement offers and advise of loss mitigation decisions. + Manage and monitor account portfolio to ensure that all documentation and account decisions comply with banking policies, investor guidelines and applicable regulations. + Assess property value and variance between appraised properties and offers submitted by potential buyers. + Review tax returns, income statements, pay stubs, credit reports and general customer financial documents. + Determine the most suitable repayment option for customers and calculate loan modification terms. + Prepare workout summaries for management approval. + Communicate with Single Point of Contact, title vendors and Loss Mitigation Closing team to gather information and resolve account complications. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + 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. + Promote an environment that supports diversity and reflects the M&T Bank brand. + Complete other related duties as assigned. **Scope of Responsibilities:** Works a portfolio of approximately 70 loans. **Education and Experience Required:** A combined 3 years’ higher education and/or experience, including a minimum of 1 year collections or underwriting experience. Ability to communicate effectively and professionally over the phone. Excellent communication and customer service skills. Proficiency with word processing and spreadsheet software. **Education and Experience Preferred:** Bachelor’s degree. Paralegal certification or experience. Mortgage collections experience. Knowledge of M&T systems. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.57 - $30.95 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Getzville, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.