Mortgage Originator

M&T Bank • Ballston Lake, NY • 3h ago

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:

Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.

Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility.

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.

Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers.

May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone.

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.

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. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Ballston Lake, New York, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Similar Jobs

Senior Business Banking Officer

Broadview FCU • Albany, NY • 2h ago

Finance, Accounting & Banking

Albany, NY Full time R4157 If you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place! Summary of Role: This role is responsible for gene...

2h ago

Go to Apply

Chief Accountant

Center for Disability Services • Albany, NY • 5h ago

Finance, Accounting & Banking

Albany, NY Full time JR103554 Where people get better at life! Join us in our mission to make a difference and shape a more inclusive future. The Chief Accountant contributes to the Mission of the Center and the Finance...

5h ago

Go to Apply

Accounting Senior Analyst/Analyst

Plug Power Inc. • Albany, NY • 5h ago

Finance, Accounting & Banking

Accounting Senior Analyst/Analyst Status: Exempt (Salaried) Department: Finance/Accounting Position Type: Hybrid (required to be in office 2-3 days per week) Position Summary The Accounting Senior Analyst/Analyst handles...

5h ago

Go to Apply

Pricing and Revenue Data Science Senior Manager - Consumer Markets Sector

PwC • Albany, NY • 1d ago

Finance, Accounting & Banking

The Opportunity As a Pricing and Revenue Data Science Senior Manager - Consumer Markets Sector, you will leverage advanced analytics techniques to help clients optimize their operations and achieve strategic goals. Withi...

1d ago

Go to Apply

Pricing and Revenue Consulting Senior Manager - Consumer Markets Sector

PwC • Albany, NY • 1d ago

Finance, Accounting & Banking

The Opportunity As a Pricing and Revenue Consulting Senior Manager - Consumer Markets Sector, you will specialize in providing consulting services focused on pricing strategies and profitability analysis. You will analyz...

1d ago

Go to Apply

Pricing and Revenue Consulting Senior Associate - Consumer Markets Sector

PwC • Albany, NY • 1d ago

Finance, Accounting & Banking

The Opportunity As a Pricing and Revenue Consulting Senior Associate within our Consumer Markets Sector, you will specialize in providing consulting services focused on pricing strategies and profitability analysis. You...

1d ago

Go to Apply

Private Markets Leader -Insurance

GE Aerospace • Schenectady, NY • 2d ago

Finance, Accounting & Banking

Job Description Summary We are seeking a Private Markets Leader with insurance company experience for an approximately $45 billion insurance investment portfolio. The mandate spans the full private markets landscape - in...

2d ago

Go to Apply

Workers' Compensation Senior Claim Representative

The Hartford • Albany, NY • 3d ago

Finance, Accounting & Banking

Sr Representative Claims - CH08BE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your g...

3d ago

Go to Apply

Accounting Intern - Latham, NY

Enterprise Mobility • Latham, NY • 3d ago

Finance, Accounting & Banking

Overview Gain real-world business, accounting, and financial training that will teach you all aspects of financial management pertaining to running a successful business. Our Accounting Intern position will introduce you...

3d ago

Go to Apply

Internal Audit Intern

The Research Foundation for SUNY • Albany, NY • 3d ago

Finance, Accounting & Banking

Location: Albany, NY Category: Administrative and Professional Job Type: Hourly Posted On: Thu Sep 17 2026 Job Description: FUNCTION & SCOPE: Working under the general supervision of the Vice President of the Office...

3d ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)