M&T Bank: Mortgage Originator

IBC Bank Successes

IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence. IBC's focus is to be customer centric and strive to provide excellent customer experience.

The Mortgage Loan Originator position is a sales oriented position where the loan originator proactively solicits new residential mortgage business, works bank referral leads, and sells IBC Mortgage products. The MLO continually develops and maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage opportunities and develops relationships with the IBC Bank Sales Team and IBC Commercial Bankers. The Mortgage Loan Originator also evaluates and recommends approval of applications for residential real estate loans, and possesses an understanding of relevant loan products, regulatory disclosures, and interest rate pricing.

Develops and maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage opportunities

Develops relationships with the IBC Bank Sales team and IBC Commercial Bankers

Evaluates and recommends approval of applications for residential real estate loans

Possesses an understanding of relevant loan products, regulatory disclosures, and interest rate pricing

Takes information from the borrower and completes the application

Educates the prospective borrower in the home buying and financing process, advises the borrower about the different types of loan products available, and demonstrates how closing costs and monthly payments could vary under each product.

Maintains regular contact with the borrower and Realtors between application and closing

Assists the borrower in understanding and clearing credit problems

Ability to manage a pipeline

Strong customer service skills

Ability to calculate qualifying income from federal tax returns

High School graduate or equivalent

• RMLO license highly preferred (NMLS registration required)
• Knowledge of Conventional and Government Mortgage products
• Knowledge of procession, underwriting, closing and funding of mortgage loans