M&T Bank
MortgageOriginator
“Mortgage Originator at M&T Bank. Skills: sales, mortgage origination, customer service. 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. adhering to the requirements of federal registration under the SAFE Act”
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., work under limited supervision, sometimes away from the office., extensive external contacts (potential and existing customers, Realtors, etc. ), 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
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 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
adhering to the requirements of federal registration under the SAFE Act
Interviews applicants to collect and analyze information regarding their income
debts and credit data as well as their needs
and earnings to assist in determining whether the loan will be an acceptable
obtains and analyzes pertinent financial and credit data
Independently assesses applicant’s credit worthiness
Issues pre-qualification statement of borrowers’ eligibility
Determines which products best meet the customer’s needs and financial circumstances
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
Cultivates new mortgage business
services and promotes the bank’s mortgage products
solicitation of residential first mortgages through contacts with Realtors
Negotiates terms and conditions of loan with mortgagors
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
Monitors trends and developments in the local real estate market
as well as the changing rules and regulations pertaining to both private and government-insured mortgages
Represents the bank in the community and related functions to identify
develop and promote additional business
present seminars to general public and real estate agents to promote additional business and community outreach
establish and maintain 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
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