Mortgage Loan Originator

4 weeks ago

Tarrytown, New York, United States M&T Bank Full time
Mortgage Loan Originator Job Summary

The Mortgage Loan Originator 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 a thorough understanding of FHA/VA regulations, conventional loan requirements, and real estate law.

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.
  • Independently assesses applicant's credit worthiness and has authority to issue pre-qualification statements.
  • 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.
  • Represents the bank in the community and related functions to identify, develop, and promote additional business.
Requirements:

The incumbent must have an 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 is required.

Preferred Qualifications:

Technical skills, including general knowledge of personal computers and software programs utilized by the Residential Mortgage Department, are preferred. Proven sales ability, strong mathematical skills, and excellent verbal and written communication skills are also preferred.

Location:
Tarrytown, New York, USA

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