M&T Bank: Mortgage Originator

Residential Mortgage Loan Officer
Proactively solicits and originates residential mortgage loans, ensuring compliance with internal, regulatory and secondary market guidelines. Actively fosters and cultivates business relationships with diverse members of the community to generate residential mortgage business meeting and exceeding sales goals and objectives. Provides guidance to customers throughout the mortgage application and processing activities.
Principal Responsibilities:

Executes effective residential mortgage marketing plans to meet or exceed agreed upon residential mortgage production goals.
Customarily and regularly makes business development and sales calls on mortgage loan prospects and customers at their places of business and solicits mortgage loan applications.
Identifies, develops and maintains referral contacts, including realtors, builders, professional and community contacts.
Participates in diverse community activities to foster and cultivate network relationships.
Provides mortgage clients sound mortgage advice based on a full understanding of client needs as well as the Bank's residential mortgage products and their benefits.
Continually develops and maintains specialized knowledge of internal, regulatory and secondary market guidelines. Acquires and maintains comprehensive understanding of all products offered.
Assists Mortgage Loan Processor with client, attorney, or appraiser document follow-up as determined through quality control or post closing review.
Plays a key role in facilitating the processing of the loan to achieve customer satisfaction and meet investor requirements. Responds to and resolves customer issues and may participate in obtaining required documents from the applicant throughout the process.
Ensures compliance with internal, regulatory and secondary market guidelines.
Note: This position description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned by management.
Required Skills: Outstanding interpersonal, communication and negotiation skills. Fundamental knowledge of the residential mortgage lending process and applicable regulatory requirements. Possesses strong self-discipline and the ability to work independently. Proficient in Microsoft Office applications. Required to maintain registration with The National Mortgage Licensing System (NMLS).
Physical Requirements: Local travel requirements. Valid driver's license and safe driving record. 40 hour work week - overtime hours require prior advance approval from the MLO Manager and the Retail Lending Director.
Minimum Education: Bachelors Degree in Business Administration or equivalent years of experience.
Minimum Prior Experience: 5 - 7 years experience in residential mortgage lending.
Webster Five is an equal opportunity employer. We are committed to fostering and championing a culture of inclusion, equity, and diversity. Accommodations are available for applicants with disabilities.