M&T Bank
MortgageOriginator
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Mortgage Originator at M&T Bank. Skills: sales, mortgage origination, customer needs assessment, loan product advising, business development. Interviewing applicants to collect and analyze financial and credit data. Assessing applicant's credit worthiness”
What You'll Achieve.
Identify and obtain permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives; Cultivate new mortgage business; Develop and promote additional business; Ensure ongoing regulatory compliance
Industry & Context.
Independently assesses applicant’s credit worthiness; Determines which products best meet the customer’s needs and financial circumstances
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
2 years sales experience, Thorough knowledge of FHA/VA regulations, conventional loan requirements, 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.
Interviewing applicants to collect and analyze financial and credit data
Assessing applicant's credit worthiness
Determining and advising on appropriate mortgage products
Cultivating new mortgage business through marketing and promotion
Soliciting residential first mortgages through contacts with Realtors
Negotiating loan terms and conditions
Ensuring lending compliance with policies and regulations
Monitoring trends in the real estate market and mortgage regulations
Representing the bank in the community and related functions
Maintaining federal registration requirements under the SAFE Act
How You'll Work.
Team & Collaboration
Interacting with internal Bank personnel; Developing and maintaining relationships with external contacts (potential and existing customers, Realtors, etc.)
Communication Scope
Excellent verbal and written communication skills
Full Job Description
# **Overview:** Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. ## **Primary Responsibilities:** * Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. * Independently assesses applicant’s credit worthiness. Has authority to issue pre-qualification statement of borrowers’ eligibility. * Determines which products best meet the customer’s needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. * Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. * Cultivates new mortgage business. Markets, services and promotes the bank’s mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. * May be required to travel to and work at prospective customers’ homes or business locations. Follows-up on potential customers via travel or telephone. * Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. * Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. * Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. * Independently monitors trends and developments in the local real
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