Mortgage Originator

Location: Hybrid position in Rochester, New York, United States; the role may require travel to customers’ homes or business locations and work outside the office.

Compensation is commission-based with an advanced draw; specific compensation depends on knowledge, skills, and experience.

Company

M&T Bank is a banking organization offering residential mortgage products and related financial services.

What you will do

• Interview applicants and analyze income, assets, debts, credit data, needs, and objectives to assess loan risk.
• Issue borrower pre-qualification statements and recommend FHA, VA, conventional, and other mortgage programs.
• Advise customers on mortgage products, alternative lending options, and other bank products.
• Develop mortgage business through customers, Realtors, builders, developers, community contacts, seminars, and outreach.
• Negotiate loan terms, bind the bank where authorized, and follow lending procedures and regulatory requirements.
• Monitor real estate market trends and mortgage regulations while advising management on compliance strategies.

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 at least 2 years of sales experience.
• Thorough knowledge of FHA/VA regulations, conventional loan requirements, and real estate law.
• Knowledge of personal computers and software used by the Residential Mortgage Department.
• Strong mathematical, verbal, and written communication skills.
• Ability to interact professionally with individuals at all income levels, peers, customers, Realtors, and other community contacts.
• Ability to work independently, follow details through completion, and operate under critical time constraints.
• Ability to establish and maintain federal registration requirements under the SAFE Act.

Nice to have

• Proven sales ability.
• Self-motivated and well-organized working style.

Culture & Benefits

• Hybrid work with limited supervision and extensive internal and external contacts.
• Commission-based compensation with an advanced draw.
• Work includes community representation, customer relationship development, and professional collaboration with bank personnel.
• Travel and sales calls outside the office may be required.