M&T Bank: Mortgage Originator

Mortgage Loan Originator-Onsite
Represents the credit union in the local community and participates in marketing all of the credit union's products and services.
Originates/completes mortgage loan applications, gathers necessary loan documents, collects upfront fees and commits loan for processing.

• Consults with applicants on a variety of mortgage financing products and programs.
• Follows up on incomplete applications to offer assistance and/or determine applicant's intentions.
• Coordinates with Credit Union Mortgage Association (CUMA) mortgage processors, communicates with the applicant and other parties respectively on the progress of the application.
• Works to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured.
• Support the credit union's strong relationship building culture through on-going member contact, quality member service, and superior product knowledge.
• Establish a network of realtors and local business contacts for loan referrals.
• Comply with all department and company policies, procedures and regulations.
• Works to cross-sell other credit union products to new and current members.
• This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Credit Union's exposure to loss or fraud and the ability to think through and rationalize decisions.
• Must comply with the Federal Bank Secrecy Act, Anti-Money Laundering & Customer Identification Policy (BSA), the OFAC Policy and the Identity Theft Policy.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Training:

On an annual basis is required to complete mandatory Bank Secrecy Act, OFAC and Red Flag Identity Theft training.
5-8 years mortgage lending or related experience.

Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
Strong proficiency in all Microsoft Office products.
Understanding and knowledge of credit union and lending regulations and responsibilities relating to each including a working knowledge of mortgages, liens and other aspects of the loan collateral perfection.
Strong knowledge of FBFCU lending products, policies and procedures.
Moderate to significant local travel is required.
Some fluctuations in temperature experienced in office setting.