Overview :
Responsible for originating residential mortgage loans and adhering to the requirements of federal registration under the SAFE Act
Primary Responsibilities :
Receive referrals from realtors, builders, branches and / or developers who have pre-established relationships with M&T.
Follow up on potential customers via telephone, fax, and email.
Sell inbound customers to use M&T Mortgage for mortgage financing. Answering initial questions and providing explanation of M&T products.
Pre-qualifying customers.
- Originates mortgages and coordinates settlements.
- Begins mortgage application process in person or over the phone and sends packages to customer for completion. Enters completed applications into the system.
- Obtains and analyzes pertinent financial and credit data necessary for determining if loan is an acceptable risk.
- Collects closing conditions, orders appraisals, coordinates draw schedules, and schedules closings.
- Negotiates terms and conditions of loan with mortgagor.
- Provides timely and complete feedback to sources regarding the disposition of their leads.
- Keeps informed of changing rules and regulations.
Scope of Responsibilities :
Works under general supervision.
External contacts may include customers, builders, manufacturers, and realtors.
Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.
Education and Experience Required :
Associate's degree and a minimum of 2 years mortgage origination and / or customer service experience, or in lieu of a degree a combined minimum of 4 years higher education and / or work experience including a minimum of 2 years mortgage originator and / or customer service experience.
Education and Experience Preferred :
General PC knowledge and departmental software
Organizational skills
Sales ability
Mathematical skills
Ability to interact with all levels in a professional manner
Customer Service Skills
Knowledge of products and government regulations
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.
Location
Cheektowaga, New York, United States of America
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