Mortgage Originator

M&T Bank is seeking a highly motivated and experienced Mortgage Originator to join our team. As a Mortgage Originator, you will be responsible for originating mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers. You will also participate in Community Reinvestment Act (CRA) related activities and functions within M&T community bank regions.

• Originate mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers.
• Participate in CRA related activities and functions within M&T community bank regions.
• Market, service, and promote the bank's mortgage products.
• May be required to travel to and work at prospective customers' homes or business locations.
• Follow up on potential customers via travel or telephone.
• Market bank-wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc.
• Market agency-related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods.
• Interview 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.
• Independently assess the applicant's credit worthiness.
• Determine which products best meet the customer's needs and financial circumstances and advise 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.
• Negotiates terms and conditions of loans 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.
• Interact with various housing agencies and governmental entities focused on CRA initiatives.
• Stay informed of industry regulations and governmental requirements as they relate to CRA housing needs.
• Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first-time homebuyer guidelines, and mortgage opportunities that lie therein.
• Represents the bank in the community and related functions to identify, develop, and promote additional business.

• 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.
• Ability to travel extensively with limited supervision.
• Extensive external contacts (potential and existing customers, Realtors, etc.) primarily on sales calls outside the office, as well as internal contacts (other Bank personnel).

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.

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.