M&T Bank
MortgageOriginator
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Mortgage Originator at M&T Bank. Skills: mortgage loan origination, sales, customer interaction, financial analysis, regulatory 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., Always works under limited supervision, sometimes away from the office., Requires extensive external contacts (potential and existing customers, Realtors, etc.).
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's credit worthiness
determining which products best meet customer needs
advising potential borrowers on financial products
making recommendations for other bank products or alternative lending vehicles
cultivating new mortgage business
and promoting the bank’s mortgage products
soliciting residential first mortgages through contacts with Realtors
negotiating terms and conditions of loan with mortgagors
ensuring lending compliance with origination procedures
and regulatory requirements
monitoring trends and developments in the local real estate market and mortgage regulations
representing the bank in the community to identify
and promote additional business
presenting seminars to promote business and community outreach
establishing and maintaining federal registration requirements outlined in the SAFE Act
How You'll Work.
Team & Collaboration
internal contacts (other Bank personnel) primarily on sales calls outside the office; interact 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
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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