Mortgage Originator (FHA/VA)

Location: Hybrid position in Fredericksburg, Virginia, United States; occasional work at customer homes or business locations may be required.

Company

M&T Bank provides residential mortgage products and related banking services.

What you will do

• Interview applicants and analyze income, assets, debts, credit data, and financial objectives.
• Assess creditworthiness, issue pre-qualification statements, and recommend suitable FHA, VA, conventional, and other residential mortgage programs.
• Advise customers on mortgage products, negotiate loan terms, and recommend alternative lending or bank products when appropriate.
• Generate mortgage business through relationships with customers, Realtors, builders, developers, and community organizations.
• Ensure compliance with bank procedures, federal registration requirements under the SAFE Act, and mortgage regulations.
• Monitor local real estate trends, present seminars, and support community outreach and business development.

Requirements

• Associate degree and 2 years of sales experience, or a combined minimum of 4 years of higher education and/or relevant work experience including 2 years of sales experience.
• Thorough knowledge of FHA and VA regulations, conventional loan requirements, and real estate law.
• Proven sales ability, strong mathematical skills, and general knowledge of personal computers and mortgage department software.
• Excellent verbal and written communication skills and the ability to interact professionally with customers, colleagues, and community contacts at all income levels.
• Ability to work independently, follow through on details, and perform under critical time constraints.
• Must maintain federal registration requirements under the SAFE Act.

Culture & Benefits

• Works under limited supervision with extensive internal, customer, Realtor, and community contacts.
• Work may take place outside the office through sales calls and customer visits.
• Compensation is commission-based with an advance draw.
• Individual compensation reflects the successful candidate’s knowledge, skills, and experience.