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M&T Bank Senior FHA MAP & Healthcare Underwriter (Full time remote option) in Baltimore, Maryland





M&T Realty Capital Corporation® is a full-service mortgage banking company that specializes in providing competitive financing nationwide for commercial properties, including multifamily, healthcare facilities, office, industrial, retail, and student, seniors, and military housing. We are a wholly-owned subsidiary of M&T Bank—one of the 20 largest US headquartered commercial bank holding companies—and offer the following financing options:

  • Fannie Mae DUS® (

  • Freddie Mac Optigo®

  • FHA/HUD Healthcare (

  • FHA/HUD Multifamily

  • Life insurance company (

  • Conduit (CMBS)

  • Small Loan program (

Top Ten HUD Lender * Top Five Fannie Mae Green Lender * Top Five Fannie Mae Seniors Lender


Responsible for due diligence and direct underwriting of FHA and/or HUD programs.

Position Responsibilities:

  • Analyze and manage the multifamily underwriting process ensuring loans are underwritten in accordance with appropriate investor guidelines and commitments are issued in a timely manner.

  • 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.

  • Responsible for reviewing subordinate debt documents and regulatory agreements in accordance to the program requirements.

  • Work with originators to determine most appropriate deal structure for transactions and resolve outstanding issues.

  • Interact with respective Investor Representatives (HUD, 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.

  • Work closely with the processing team to monitor the status of the submission and communicate with the deal team and customer to ensure transactions are submitted in a timely manner.

  • Review of commitment letter and handoff to loan closing department.

  • Stay current new or revised legislation and regulations that may impact established policies.

  • 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.

Scope of Responsibilities:

  • Underwriters are required to use analytical skills to review rent roll, operating statements, financial statements, third party reports (real estate appraisals, market studies, physical needs reports and environmental reports) to make credit judgments and prepare the required application submissions to the appropriate agency.

  • Position requires a high level of detail and desire/ability to serve as mentor to others on the team, as experience is gained.

Supervisory/ Managerial Responsibilities:

Indirect management/mentor of Junior FHA underwriters assigned to the transaction.

Minimum Qualifications:

  • Bachelor's Degree or equivalent work experience and 7 years underwriting experience 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 11 years’ higher education and/or work experience including a minimum of 7 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training)

  • MAP and/or Healthcare designations plus 232/LEAN certification

  • Teamwork and strong communication skills.

  • Strong Excel and modeling ability

  • Travel will be required to inspect properties and attend necessary training, when available.

M&T Offers:

  • Competitive salary + bonus

  • FT work remote option

  • Conferences and continuing education

  • Medical/Dental/Prescription/Vision/Life Insurance

  • Long & Short-Term Disability at no cost

  • PTO + 11 paid holidays/PTO buy

  • Health Savings & Flexible Spending Accounts

  • 401(k) with 5% match/Roth/Discretionary Employer Contribution

  • Stock Purchase Plan

  • Diversity & Inclusion Council

  • 14 Resource Group charters with 69 chapters

  • D&I Sponsorship Program

  • Wellness Programs

  • Employee Discounts

  • Dress for your day!


Baltimore, Maryland, 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.