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., Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.
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 the best mortgage products for customers.
and promoting the 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 mortgage regulations.
Representing the bank in the community and related functions.
Presenting seminars to the general public and real estate agents.
How You'll Work.
Team & Collaboration
Interacting with internal Bank personnel.; Developing new relationships and maintaining existing relationships internally and within the community.
Communication Scope
Excellent verbal and written communication skills.
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