Mortgage Originator
M&T Bank - Towson, MD

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Job Posting: 179440 Unposting Date: true At M&T, we understand what's important when you're considering a career change: a company with a solid history of responsible growth and positive earnings. A company committed to the communities it serves. One that rewards performance and provides employees with opportunities to direct their own career paths. A company with a focus on the future.

The Mortgage Originator markets, originates, and negotiates permanent FHA/VA and conventional residential mortgage loans and other residential mortgage programs predominately at prospective customers' homes, businesses or other locations away from the office. Must adhere to the requirements of federal registration under the SAFE Act.Responsibilities: The mortgage originator works independently to cultivate new mortgage business. Regularly and customarily travels to and works at prospective customers' homes, business or other locations away from the office. Interviews 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; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness.Negotiates terms and conditions of loan 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. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Basic Qualifications: -Associates degree or two (2) years relevant experience. -Two (2) years Sales experience.

Ideal Qualifications

  • Mortgage sales experience and the ability to self generate business in the existing market
  • Existing book of mortgage business
  • Established C.O.I (Center of Influence) in the market-Thorough knowledge of FHA/VA regulations, conventional loan requirements and Real Estate law
  • Excellent verbal and written communication skills and the ability to interact with individuals at all income levels in a professional manner
  • Demonstrated ability to work independently and to follow through on details to completion and the ability to work under critical time constraints
As one of the best performing banks in the country, M&T continues to grow, offering ongoing value to our shareholders and opportunity to our employees. Join our team and you'll understand what has kept us strong for more than 150 years: stability with a forward focus, a strong history of community support, and a dedication to being the best employer you'll ever work for.

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M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 150 years ago in Western New...