M&T Bank
MortgageOriginator
“Mortgage Originator at M&T Bank. Skills: Mortgage loan origination, Sales, Customer needs assessment, Financial product advising, Compliance. Working with customers to identify and obtain permanent FHA/VA and conventional mortgage loans and other residential mortgage programs.. Interviewing applicants to collect and analyze financial and credit data.”
Industry & Context.
May be required to travel to and work at prospective customers’ homes or business locations., Follows-up on potential customers via travel or telephone., Works under limited supervision, sometimes away from the office., Extensive external contacts (potential and existing customers, Realtors, etc.)., Internal contacts (other Bank personnel) primarily on sales calls outside the office.
What They're Looking For.
Must Have
Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience., Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law., federal registration under the SAFE Act
Nice to Have
General knowledge of personal computers and software programs utilized by Residential Mortgage Department, Proven sales ability., mathematical skills., Self-motivated, well-organized individual., Excellent verbal and written communication skills., Ability to interact with individuals at all income levels and peers in a professional manner., Demonstrated ability to work independently and to follow through on details to completion., Ability to work under critical time constraints.
What You'll Do.
Working with customers to identify and obtain permanent FHA/VA and conventional mortgage loans and other residential mortgage programs.
Interviewing applicants to collect and analyze financial and credit data.
Assessing applicant credit worthiness.
Determining and advising on mortgage products that best meet customer needs.
Making recommendations for other bank products or alternative lending vehicles.
Cultivating new mortgage business through marketing
and promotion of bank's mortgage products.
Soliciting residential first mortgages through contacts with Realtors
Negotiating terms and conditions of loans.
Ensuring lending compliance with all origination procedures
and regulatory requirements.
Monitoring trends and developments in the local real estate market and changing mortgage regulations.
Representing the bank in the community and related functions.
Establishing and maintaining federal registration requirements outlined in the SAFE Act.
How You'll Work.
Team & Collaboration
Interacting with individuals and teams internally and within the community assigned.; Developing new relationships and maintaining existing relationships.
Communication Scope
Excellent verbal and written communication skills
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