DID YOU KNOW: M&T Bank made Forbes Magazine’s “400 Best Big Companies” list for the 10th time this year, that we’ve been in business for over 150 years and are one of the nation’s top 20 bank holding companies with close to $66 billion in assets?Within our Mortgage team, we already have a seasoned group of professionals who specialize in creative outside sales, superb customer service and producing amazing results! In this position, you will play an integral role in growing M&T’s Mortgage presence in the market!
OVERALL GOAL OF POSITION:To work with existing and new customers who are interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and/or other residential mortgage programs that best meet their financial needs and objectives.
CUSTOMER SERVICE GOALS:- To Interview applicants and collect/ analyze information regarding their income income, assets, debts and credit data as well as their needs, desires, and earnings, obtain and analyze pertinent financial and credit data.- Independently assesses applicant’s credit worthiness and determine products that best meet the customer’s needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products.- Make recommendations to customers regarding other bank products or to alternative lending vehicles.- Represent the bank in the community and related functions to identify, develop and promote additional business.
SALES GOALS: -To cultivate new mortgage business. Market, service and promote the bank’s mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. Regularly works at a bank facility, but may be required to travel to and work at prospective customers' homes or business locations. -Ensure lending compliance with all origination procedures including bank polocies and procedures and regulatory requirements.-Independently monitor 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.
WHAT YOU NEED TO BE SUCCESSFUL: -Two (2) to three (3) years current mortgage sales experience in the existing market. -An existing pipeline of business with a stable “Center of Influence” in the market.-A thorough knowledge of FHA/VA regulations, conventional loan requirements and Real Estate law.-General knowledge of personal computers and software programs.-Strong mathematical skills.-Self-motivated and well organized. Excellent verbal and written communication skills and the ability to interact with individuals at all income levels in a professional manner.-Demonstrated ability to work independently and to follow through on details to completion and the ability to work under critical time constraints.
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