Note: The job is a remote job and is open to candidates in USA. M&T Bank is a financial services company seeking a Mortgage Representative to originate residential mortgage loans and comply with federal SAFE Act registration requirements. The role handles customer referrals and inbound leads, explains mortgage products, pre-qualifies applicants, processes applications, evaluates financial and credit information, and coordinates loan closings.
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
Skills
- 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
- 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
Company Overview