Mortgage Representative- Inside Sales-5

M&T Bank • Williamsville, NY

136d • Hybrid

About The Position

Responsible for originating residential mortgage loans and adhering to the requirements of federal registration under the SAFE Act.

Requirements

• Associate's degree and a minimum of 2 years mortgage origination and/or customer service experience, or in lieu of a degree a combined minimum of 4 years higher education and/or work experience including a minimum of 2 years mortgage originator and/or customer service experience.

Nice To Haves

• General PC knowledge and departmental software
• Organizational skills
• Sales ability
• Mathematical skills
• Ability to interact with all levels in a professional manner
• Customer Service Skills
• Knowledge of products and government regulations

Responsibilities

• Receive referrals from realtors, builders, branches and/or developers who have pre-established relationships with M&T.
• Follow up on potential customers via telephone, fax, and email.
• Sell inbound customers to use M&T Mortgage for mortgage financing.
• Answering initial questions and providing explanation of M&T products.
• Pre-qualifying customers.
• Originates mortgages and coordinates settlements.
• Begins mortgage application process in person or over the phone and sends packages to customer for completion.
• Enters completed applications into the system.
• Obtains and analyzes pertinent financial and credit data necessary for determining if loan is an acceptable risk.
• Collects closing conditions, orders appraisals, coordinates draw schedules, and schedules closings.
• Negotiates terms and conditions of loan with mortgagor.
• Provides timely and complete feedback to sources regarding the disposition of their leads.
• Keeps informed of changing rules and regulations.

Benefits

• Compensation for this role is based on commission - a draw will be advanced.
• The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

What This Job Offers

• Job Type: Full-time
• Industry: Credit Intermediation and Related Activities
• Education Level: Associate degree