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About the Role
Primarily responsible for working with customers to identify and obtain permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives, while adhering to SAFE Act registration requirements.
Responsibilities
- Interviews applicants to collect and analyze income, assets, debts, credit data, needs, desires, and earnings to determine loan risk.
- Assesses applicant credit worthiness and issues pre-qualification statements.
- Determines appropriate mortgage products based on customer needs and financial circumstances, advising on product advantages and disadvantages.
- Recommends other bank products or alternative lending vehicles as needed.
- Cultivates new mortgage business through marketing, servicing, and promotion of bank mortgage products, including soliciting first mortgages through contacts with Realtors, builders, and developers.
- May travel to and work at customer locations, following up via travel or telephone.
- Negotiates loan terms and conditions with mortgagors, with authority to bind the bank.
- Ensures lending compliance with origination procedures, bank policies, and regulatory requirements.
- Advises management on compliance strategies and policy modifications.
- Monitors local real estate market trends and changes in mortgage rules and regulations.
- Represents the bank in the community to identify, develop, and promote business, potentially presenting seminars.
- Maintains federal registration requirements under the SAFE Act.
Requirements
- Associates degree and 2 years sales experience, OR a combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience.
- Thorough knowledge of FHA/VA regulations, conventional loan requirements, and real estate law.
- General knowledge of personal computers and software programs utilized by the Residential Mortgage Department.
- Proven sales ability.
- Strong mathematical skills.
- Self-motivated, well-organized individual.
- Excellent verbal and written communication skills.
- Ability to interact professionally with individuals at all income levels and peers.
- Demonstrated ability to work independently and follow through on details.
- Ability to work under critical time constraints.
Skills
- Sales
- Mortgage Lending
- FHA/VA Regulations
- Conventional Loan Requirements
- Real Estate Law
- Computer Software Proficiency
- Mathematical Skills
- Communication Skills
- Interpersonal Skills
- Time Management
Location
- Ballston Lake, New York, United States of America
Work Type
- Full-time
Experience Level
- 2 years sales experience
- 4 years combined higher education and/or relevant work experience
Education Level
- Associates degree
- Higher education
Salary/Compensations
- Compensation for this role is based on commission - a draw will be advanced.
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.