Investor Claims Specialist (Late Stage Mortgage Default Servicing) - Hybrid

About this role

Overview: Are you a curious, analytical professional who enjoys solving complex problems and uncovering answers through research? Join our team as an Investor Claims Specialist , where you'll play a critical role in the final stage of the mortgage default servicing process. In this position, you'll review and reconcile defaulted mortgage loans after foreclosure, short sale, deed-in-lieu, bankruptcy, or other loss mitigation activities have been completed. Your primary focus will be ensuring claims are accurately prepared, expenses are properly reconciled, and reimbursement opportunities are maximized in accordance with investor, insurer, and regulatory requirements. This role is ideal for someone who enjoys investigative work, thrives in a detail-oriented environment, and wants to develop a deep understanding of the mortgage servicing lifecycle.

What You'll Do: • Review and analyze defaulted mortgage loans following foreclosure, short sale, deed-in-lieu, charge-off, and other loss mitigation outcomes.

• Research loan histories, advances, deposits, attorney fees, and servicing expenses to ensure accuracy and completeness.

• Prepare, review, and submit investor and insurer claims within established service level agreements.

• Interpret investor, insurer, and regulatory guidelines to determine reimbursement eligibility and claim recoverability.

• Validate invoices, expenses, and supporting documentation required for claim submission.

• Reconcile loan balances and losses to support final accounting and loss allocation activities.

• Partner with teams across Foreclosure, Loss Mitigation, Bankruptcy, Collections, Property Preservation, Mortgage Insurance, Hazard Insurance, and Accounting to resolve discrepancies and complete claim processing.

• Respond to attorney and business partner inquiries regarding loan-level activity.

• Conduct quality reviews of completed claims to ensure accuracy prior to submission.

• Maintain accurate system records and documentation throughout the claims process.

• Identify opportunities to recover expenses and minimize losses while ensuring compliance with investor and regulatory requirements.

A Day in the Life: As part of the final team to touch a defaulted mortgage loan, you'll review everything that has occurred throughout the life of the default process. Each file requires careful research and analysis as you evaluate expenses, advances, reimbursements, and recoverable losses. A typical claim can take several hours to complete and may span multiple days as you investigate loan activity, review documentation, interpret investor guidelines, and collaborate with business partners. Success in this role comes from asking questions, digging into details, and finding solutions.

We're Looking For Someone Who: • Is naturally curious and enjoys researching complex issues.

• Takes initiative to find answers and understand the "why" behind processes.

• Possesses strong analytical and problem-solving skills.

• Has exceptional attention to detail and organizational abilities.

• Communicates professionally through both written and verbal communication.

• Can manage multiple priorities and complex files simultaneously.

• Enjoys working independently while collaborating effectively with cross-functional teams.

Education and Experience Required: • 4+ years of combined higher education and/or work experience.

• 2+ years of mortgage default experience.

Education and Experience Preferred: • 5+ years of mortgage default or mortgage servicing experience.

• Knowledge of investor, insurer, and regulatory requirements related to mortgage servicing.

• Proficiency with Microsoft Excel, including sorting, filtering, and working with data.

• Strong written and verbal communication skills.

• Strong analytical, organizational, and problem-solving abilities.

• Ability to manage detailed, complex work with a high degree of accuracy.

• Experience processing foreclosure, short sale, loss mitigation, deed-in-lieu, charge-off, or investor claims.

• Full understanding of mortgage disposition types and claim processing.

Preferred Backgrounds: We are particularly interested in candidates with experience in: • Mortgage default servicing

• Foreclosure operations

• Loss mitigation

• Mortgage claims processing

• Mortgage servicing

• Mortgage origination

• Underwriting

• Mortgage closing or processing

• Single Point of Contact (SPOC) functions

• Default or foreclosure law firms

• Investor claims or loss recovery activities

Work Model & Office Location : • This is a hybrid role that requires in-office attendance Monday through Thursday, with remote work available on Fridays.

• Eligible candidates must live within reasonable commuting distance to 475 Crosspoint Parkway, Getzville, NY 14068.

Required Availability/Scheduled Shift : • Monday-Friday, 8:00am-4:30pm

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 (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

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