Mortgage Loan Specialist

4 weeks ago

Upper Marlboro, Maryland, United States M&T Bank Full time

Mortgage Loan Specialist Job Description


The Mortgage Loan Specialist is responsible for working with customers to identify and obtain permanent FHA/VA and conventional mortgage loans that meet their financial needs and objectives. This role requires adherence to federal registration under the SAFE Act.


Key Responsibilities:

  • Interviews applicants to collect and analyze information regarding their income, assets, debts, and credit data to determine whether the loan will be an acceptable risk.
  • Obtains and analyzes pertinent financial and credit data to assess the applicant's credit worthiness.
  • 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.
  • Makes recommendations to customers regarding other bank products or alternative lending vehicles, as needed.
  • Cultivates new mortgage business by marketing, servicing, and promoting the bank's mortgage products.
  • Negotiates terms and conditions of loan with mortgagors and 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 to ensure ongoing regulatory compliance.
  • Represents the bank in the community and related functions to identify, develop, and promote additional business.


Requirements:

  • Associates degree and 2 years sales experience, or 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.

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