Mortgage Originator-Inside Sales
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BASIC FUNCTION: Responsible for originating residential mortgage loans. Responsible for adherence to complaince guidelines and to the requirements of federal registration under the SAFE Act.
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. Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.
MINIMUM QUALIFICATIONS: Bachelor's degree or equivalent in work experience. 2-3 years mortgage origination and/or customer service experience. General PC knowledge and knowledge of departmental software. Organizational, mathematical and customer service skills are required. Excellent sales ability and the ability to interact with all levels in a professional manner. Knowledge of products and government regulations.
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer. M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.