Overview:

Responsible for originating residential mortgage loans and adhering to the requirements of federal registration under the SAFE Act

Primary Responsibilities:

• Receive referrals from realtors, builders, branches and/or developers who have pre-established relationships with M&T.  Follow up on potential customers via telephone, fax, and email. 
• Sell inbound customers to use M&T Mortgage for mortgage financing.  Answering initial questions and providing explanation of M&T products.  Pre-qualifying customers.
• Originates mortgages and coordinates settlements. 
• Begins mortgage application process in person or over the phone and sends packages to customer for completion.  Enters completed applications into the system.
• Obtains and analyzes pertinent financial and credit data necessary for determining if loan is an acceptable risk. 
• Collects closing conditions, orders appraisals, coordinates draw schedules, and schedules closings.
• Negotiates terms and conditions of loan with mortgagor.
• Provides timely and complete feedback to sources regarding the disposition of their leads.
• Keeps informed of changing rules and regulations.

Scope of Responsibilities:

Works under general supervision.

External contacts may include customers, builders, manufacturers, and realtors.

Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.

Education and Experience Required:

Associate’s degree and a minimum of 2 years mortgage origination and/or customer service experience, or in lieu of a degree a combined minimum of 4 years higher education and/or work experience including a minimum of 2 years mortgage originator and/or customer service experience.

Education and Experience Preferred:

General PC knowledge and departmental software

Organizational skills

Sales ability

Mathematical skills

Ability to interact with all levels in a professional manner

Customer Service Skills

Knowledge of products and government regulations

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

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