Mortgage Originator

We are seeking a highly skilled Mortgage Originator to join our team in Delaware. As a Mortgage Originator, 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.

• Interview applicants to collect and analyze information regarding their income, assets, debts, and credit data to determine whether the loan will be an acceptable risk.
• Obtain and analyze pertinent financial and credit data to 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.
• Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.
• Cultivate new mortgage business by marketing, servicing, and promoting the bank's mortgage products.
• Negotiate terms and conditions of loan with mortgagors and has authority to bind the bank in connection therewith.
• Ensure lending compliance with all origination procedures, including bank policies and procedures and regulatory requirements.

• 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.
• Thorough knowledge of FHA/VA regulations, conventional loan requirements, and real estate law.
• Technical skills, including general knowledge of personal computers and software programs utilized by Residential Mortgage Department.
• Proven sales ability, strong mathematical skills, self-motivated, well-organized individual, excellent verbal and written communication skills, and ability to interact with individuals at all income levels and peers in a professional manner.

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.

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