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- Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs.
- Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.
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- Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith.
- Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements.
- Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance.
- Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
- Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach.
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Mortgage Originator - Falls Church, United States - M&T Bank
Description
Overview:
Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act.
Primary Responsibilities:
Scope of Responsibilities:
The incumbent always works under limited supervision, sometimes away from the office.
The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office.
Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships
Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.
Education and Experience Required:
Associates degree and 2 years sales experience,
OR in lieu of a degree,
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.
Education and Experience Preferred:
Technical Skills
General knowledge of personal computers and software programs utilized by Residential Mortgage Department
Proven sales ability.
Strong mathematical skills.
Self-motivated, well-organized individual.
Excellent verbal and written communication skills.
Ability to interact with individuals at all income levels and peers in a professional manner.
Demonstrated ability to work independently and to follow through on details to completion.
Ability to work under critical time constraints.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $ $41.27 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.Location
Falls Church, Virginia, United States of America
