M&T Bank: Mortgage Originator

At Windsor Federal Bank, the Residential & Consumer Mortgage Loan Originator serves as a trusted advisor and lending expert, guiding clients through the stages of the mortgage and consumer loan process—from initial inquiry to successful closing. This role is pivotal in helping individuals and families realize their homeownership and borrowing goals by providing tailored advice, timely communication, and exceptional customer care throughout the pre-approval, application, and closing phases.

This position is responsible for developing and maintaining strong relationships with a wide range of referral sources—including real estate agents, attorneys, financial advisors, and internal partners—to generate new business and meet both individual and organizational lending goals. The Loan Originator also represents Windsor Federal Bank in the community by participating in outreach efforts and financial education initiatives.

ESSENTIAL FUNCTIONS

Originate and advise: Guide potential borrowers through the residential and consumer loan process, offering personalized advice and financial education at every step—from initial inquiry and pre‑qualification through application, underwriting, and closing.

Build referral relationships: Proactively develop and nurture referral relationships with real estate professionals, attorneys, investment advisors, internal bank employees, and community organizations to drive loan originations.

Client engagement: Conduct in‑person, phone, or virtual meetings to evaluate borrowers' financial profiles and lending needs, ensuring a positive and informed customer experience.

Loan application management: Prepare and submit complete, accurate loan applications and ensure timely delivery of all required disclosures and documentation in compliance with regulatory guidelines.

Customer follow‑up: Maintain regular and proactive communication with clients, referral partners, and internal departments to ensure timely updates and an efficient closing process.

Market expertise: Stay informed about current real estate and lending trends, local market conditions, and changes to federal and state regulations affecting residential and consumer lending.

Community involvement: Represent the bank at real estate and community events, homebuyer seminars, and local business activities to promote awareness and increase visibility of Windsor Federal’s mortgage offerings.

Cross‑selling: Identify opportunities to recommend complementary financial products such as deposit accounts, home equity loans, and consumer lending services.

Performs other related duties as assigned.

REQUIRED EDUCATION / EXPERIENCE / SKILLS

Minimum of five (5) years of experience in residential lending, with a proven track record of $20 million or higher in annual mortgage originations or equivalent underwriting expertise in accordance with secondary market standards.

In-depth knowledge of conventional, FHA, VA, CHFA and proprietary loan programs, along with compliance regulations including HMDA, ECOA, TILA, and RESPA.

Strong financial analysis skills, particularly in evaluating personal and business tax returns.

Proficiency in using mortgage lending software (preferably Encompass LOS) and related technology platforms.

Valid state driver’s license and reliable transportation for making outside sales calls and/or to meet loan applicants as needed.

Requires the National Mortgage Licensing System (NMLS) Registration.

Ability to work independently while collaborating effectively with colleagues and leadership.

Windsor Federal Bank, an Equal Opportunity Employer, offers a competitive compensation and benefits package including paid time off (PTO), paid sick time, holidays, participation in a 401(k) plan, and profit sharing.

For consideration, qualified applicants may email a cover letter and resume to: View email address on click.appcast.io.

Windsor Federal Bank, 270 Broad Street, Windsor, CT 06095

An Equal Opportunity Employer

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