Mortgage Loan Specialist

2 months ago

Ashburn, Virginia, United States M&T Bank Full time
Mortgage Originator Job Description

Overview:

As a Mortgage Originator at M&T Bank, you will be responsible for working with customers to identify and obtain permanent FHA/VA and conventional mortgage loans that meet their financial needs and objectives. You will adhere to the requirements of federal registration under the SAFE Act.

Primary Responsibilities:

  • Conduct interviews with applicants to collect and analyze information regarding their income, assets, debts, and credit data to determine whether the loan will be an acceptable risk.
  • Assess applicant's credit worthiness and have authority to issue pre-qualification statements.
  • Determine which mortgage loan programs best meet the customer's needs and advise potential borrowers on the advantages and disadvantages of different financial products.
  • Recommend bank products or alternative lending vehicles to customers as needed.
  • Cultivate new mortgage business by marketing, servicing, and promoting the bank's mortgage products.
  • Travel to and work at prospective customers' homes or business locations to follow up on potential customers.
  • Negotiate terms and conditions of loan with mortgagors and have authority to bind the bank.
  • Ensure lending compliance with all origination procedures, including bank policies and regulatory requirements.
  • Advise management on effective compliance strategies and potential modifications to corporate operating policies.
  • Monitor trends and developments in the local real estate market and changing rules and regulations pertaining to mortgages.
  • Represent the bank in the community and related functions to identify, develop, and promote additional business.

Scope of Responsibilities:

The Mortgage Originator works under limited supervision, sometimes away from the office, and requires extensive external contacts with customers, Realtors, and other Bank personnel. The position involves interacting with individuals and teams internally and within the community to develop new relationships and maintain existing ones.

Education and Experience Required:

An Associate's degree and 2 years of sales experience, or a combined minimum of 4 years of higher education and/or relevant work experience, including a minimum of 2 years of sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements, and real estate law is required.

Technical Skills:

General knowledge of personal computers and software programs utilized by the Residential Mortgage Department. Proven sales ability, strong mathematical skills, and excellent verbal and written communication skills are essential.

Compensation:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $47.87 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

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