Mortgage Representative - Inside Sales

M&T Bank Corporation; Clanton (AL); On-site; USD 47,000 - 78,000; Full time

Job summary

M&T Bank Corporation in Clanton, Alabama seeks a Mortgage Loan Originator to originate residential mortgage loans and navigate SAFE Act requirements. You will manage referrals, pre-qualify customers, and coordinate settlements, while ensuring regulatory compliance and timely feedback to sources.

Location: Clanton, AL. The role involves in-person and phone-based applications, with emphasis on customer service, sales ability, and knowledge of mortgage products and government regulations.

Qualifications

• Associate’s degree with at least 2 years mortgage origination or customer service experience or 4 years higher education/work experience with 2 years mortgage originator/customer service experience.
• Strong PC skills and familiarity with internal systems and processes.
• Ability to interact professionally with all levels and maintain regulatory awareness (SAFE Act).

Responsibilities

• Receive referrals from realtors, builders, branches and developers with established relationships with M&T.
• Follow up on potential customers via telephone, fax, and email.
• Sell inbound customers to use M&T Mortgage for financing.
• Pre-qualify customers and originate mortgages; coordinate settlements.
• Begin mortgage applications in person or over the phone and manage document packages.
• Enter completed applications into the system and analyze financial data for loan risk.

Skills

Mortgage knowledge

Customer service

Communication

Education

Associate’s degree

Tools

Departmental software

Job description

Overview

Responsible for originating residential mortgage loans and adhering to the requirements of federal registration under the SAFE Act

Primary Responsibilities

• 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.

Scope of Responsibilities

Works under general supervision. External contacts may include customers, builders, manufacturers, and realtors. Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.

Education and Experience Required

• Associate’s degree and a minimum of 2 years mortgage origination and/or customer service experience
• or in lieu of a degree a combined minimum of 4 years higher education and/or work experience including a minimum of 2 years mortgage originator and/or customer service experience.

Education and Experience Preferred

• General PC knowledge
• departmental software
• Organizational skills
• Sales ability
• Mathematical skills
• Ability to interact with all levels in a professional manner
• Customer Service Skills
• Knowledge of products and government regulations

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.

Location: Clanton, Alabama, United States of America

Company Culture

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve.

M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust.

M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers.

We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year.

Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do.

We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

View M&T’s Human Capital Report to learn more.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.

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