M&T Bank: Mortgage Originator

Originate portfolio loans, secondary market conventional, FHA, VA and RD loans which are compliant with investor requirements and all State and Federal laws and regulations
Promote Bank products and services to existing and potential clients in the community
Provides expert mortgage advice to potential borrowers
Stays current with Bank's underwriting policy; Investor guidelines; Applicable State and Federal laws and regulations and Changes in other aspects of the mortgage industry
Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, Builders, friends, family and others in the community
Manages a clean pipeline of loans in process coordinating with Processors, Underwriters and Closers on a daily basis
Delivers all compliance documents and disclosures in a timely manner
Takes a very complete application and collects all required documentation for verification.
Prepares the borrower(s) for the process and keeps ALL of the parties involved in the process, up to date on all important developments and current status of application
Informs applicant of closing costs
Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction
Interviews loan applicants to document income, debt, and credit history
Determines if applicant meets establishment standards for further consideration
Answers applicant's questions and asks for signature on information authorization forms
Submits application forms to Mortgage Loan Processor for verification of application information
Calls applicant or other persons to resolve discrepancies
Informs applicant of loan denial or acceptance
Keeps Bank associates up to date on changes in the industry and works as a team member with the other lines of business
Keeps all compliance requirements up to date and maintains a working knowledge of the products and services provided by the other lines of business and Bank affiliates
Requirements Bachelor’s Degree preferred
2 years of sales experience required
2 + years of Mortgage origination experience is preferred
National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008.
Knowledge of all Mortgage laws, procedures, rules, regulations, etc. on a federal, relevant state, local and bank-wide basis
Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access
Ability to learn or knowledge of Outlook email program
Excellent communication, analytical, customer service and organizational skills
Ability to work effectively with all levels of personnel
Strong presentation skills
Core Competencies Demonstrates expertise in mortgage origination, compliance with federal and state regulations, and effective communication with clients and stakeholders. Proficient in managing loan processes and maintaining strong referral networks to drive business growth.
Highest-signal resume keywords Mortgage Origination Experience
National Mortgage Licensing System (NMLS) Registration
Knowledge of Mortgage Laws and Regulations
Sales Experience
Excellent Communication Skills
ATS Optimization Keywords Hard Skills Mortgage Origination
Loan Processing
Compliance Documentation
Application Verification
Pipeline Management
Soft Skills Customer Service
Analytical Skills
Organizational Skills
Presentation Skills
Team Collaboration
Certifications & Qualifications NMLS Registration
Industry Keywords FHA Loans
VA Loans
Conventional Loans
Portfolio Loans
Investor Guidelines
Tools & Technologies Microsoft Office
Microsoft Word
Microsoft Excel
Microsoft PowerPoint
Microsoft Access
Outlook Email Program

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