Become A Mortgage Originator

* 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.
* Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act

* Originate 1 4 family residential loans.
* Pre-qualifies customers for loans by interviewing the applicants in person to obtain an application and financial formation Handle referrals from Retail Stores, Contractors, Developers, Customers, and Realtors Respond to customer contact inquires regarding loan products and terms Take applications and submit to processors Review loans in process and determine status Review supporting documents, exhibits, appraisals, gifts, credit reports, etc.
* Cross-sell other bank products Maintains Professional relationship with real estate affiliates and participates in selected community activities to increase the bank s visibility.
* Visits Realtor offices and individual realtors Visit Contractors, Builders, Developers.
* Contact FSBO s, and other sources of mortgage loans.
* Develop new business opportunities Perform certain administrative duties related to the overall function of the Mortgage Team.
* These duties will vary depending upon overall team needs and individual ability and experience.
* May include one or more of the following areas: Helps coordinate team development and annual budget Performs team leader function as directed by mortgage manager Responsible for assisting in achieving individual and team goals Serves as back-up for processor Makes recommendations to mortgage manager to improve product or process Assists the team in processing file, documentation, booking, closing Updates knowledge and develops professionally on a continuing basis trough various training resources.
* These include, but are not limited to the following: Keep up to date on trends and developments of the local real estate market.
* Advises management of new products offered in the market.
* Keep informed of changing rules and regulations to products.
* Take continuing education classes to improve knowledge of industry.
* Participate in all required in-house training.
* This may include seminars, meetings, videos, sales conference calls, orientation, product knowledge training sessions, computer, regulatory, compliance, and interpersonal and supervisory training.
* Participate in training and development plan at annual performance and appraisal process

* Develop residential and commercial wholesale loan business from our base of existing mortgage brokers and develop new mortgage broker sources
* Solicit residential and commercial retail business from a base of referral sources that include, Realtors, Attorneys, CPA’s and Affinity Groups
* Manage existing pipeline of loans and work closely with processing dept., underwriting, and regional manager to move loans to approval stage and closing
* Provide oversight of the office and target area performance
* Meet target area goals, hire additional sales personnel as goals are met

* 1) Performs mortgage lending origination duties to include: 1
* Providing service to customers seeking loansI 2
* Interviewing applicants to develop information regarding mortgage lending needs, financial capacity, growth plans, and earnings to determine whether a loan may be originated 3
* Obtaining and analyzing all necessary financial data 4
* Conducting credit checks 5
* Preparing necessary documents, loans, and agreements 6
* Determining loans and terms within own lending limits, or making recommendations to the other lending staff members.
* Completing required documents for compliance 8
* Monitoring department performance and documentation to ensure conformity with bank policies and all applicable laws and regulations 9
* Receiving and returning telephone calls 10
* Responding to inquiries regarding loan rates, terms, and qualifications 11
* Underwriting mortgage loans within specified criteria 12
* Manages and supervises mortgage originators and workflows of all secondary market consumer real estate loans.
* Underwriting authorization of secondary market consumer real estate loans. (2) Performs mortgage loan processing duties to include: 1
* Processes loan applications and documents, and maintains file system on all applications, notices, memorandums and correspondence, etc 2
* Submits files to underwriting personnel for loan approval in accordance with FNMA guidelines 3
* Coordinates loan closings and closes loans, as appropriate 4
* Monitor, maintain and track suspense items from investors 5
* Enters new loans and customer information into computer system 6
* All other related job duties as assigned (3) Performs business development duties to include: 1
* Cross‑selling Bank products 2
* Maintaining relationships with realtors, builders, contractors, title companies 3
* Contacting and calling on potential and existing customers 4
* Promoting overall business development of the Bank 5
* Retaining business contacts within the community (4) Performs miscellaneous duties to include: 1
* Attending officer and all other assigned meetings 2
* Preparing all necessary correspondence 3
* Staying abreast of current banking and mortgage laws and regulations through reading

* SALES and RELATIONSHIP MANAGEMENT: The CLO/SCLO will develop and maintain a significant professional presence that yields sales that increase the Association’s market share in the assigned territory.
* The CLO/SCLO will spend most of the time out of the office to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect.
* Use understanding of customer goals, credit strengths and weaknesses to deliver “value added”/constructive financial information to the customer.
* The CLO/SCLO:
* Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer’s loan and servicing needs
* Communicates to the customer and to internal team members regarding the customer’s needs.
* Introduces customers to the Association’s process and the retail service team that will support the process.
* DELIVER SOUND CREDIT: As part of the ongoing consultative relationship with our customers, the CLO/SCLO will:
* Gather and document customer financial information and application details, in compliance with lending requirements and in coordination with CHLS
* Interpret and evaluate financial information and ask appropriate follow-up and probing questions to determine the appropriate product or service.
* Recommend loan terms, conditions, and collateral position consistent with the request and associated loan risks, and then set clear expectations with the customer, and document pertinent customer information in Relationship.
* Communicate credit decisions, loan terms and conditions to the customer
* SERVICE PORTFOLIO: In order to appropriately support the customer, the CLO/SCLO will:
* Manage the disbursement process in home loan construction projects
* Partner with Country Home Loan Specialist- to complete servicing actions required for individual customer circumstances
* Partner with Customer Support Specialist- to monitor the portfolio for timely identification and service loans that expose the association to risk.
* Using knowledge of servicing options, the CLO/SCLO will effectively negotiate and communicate these options to the customer, and may partner with the Special Accounts Loan Officer for resolution.
* Represent and Communicate the mission and values of FARM CREDIT MID
* AMERICA and abide by its conduct policy, security policy and confidentiality expectations.
* Assumes additional responsibilities as required