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 and 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. 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.
LocationWilliamsville, New York, United States of America
What We Do
Waste Connections, Inc. is an integrated solid waste services company that provides waste collection, transfer, disposal and recycling services in mostly exclusive and secondary markets in the U.S. and Canada. Through its R360 Environmental Solutions subsidiary, the Company is also a leading provider of non-hazardous oilfield waste treatment, recovery and disposal services in several of the most active natural resource producing areas in the United States, including the Permian, Bakken and Eagle Ford Basins. Waste Connections serves more than six million residential, commercial, industrial, and exploration and production customers from a network of operations in 39 states, six provinces and the District of Columbia. The Company also provides intermodal services for the movement of cargo and solid waste containers in the Pacific Northwest.
Our corporate strategy targets secondary and suburban markets that have strong demographic growth trends and where competitive barriers to entry can be developed. We seek to avoid highly competitive, large urban markets and target markets where we can provide either non-integrated or integrated solid waste services under exclusive arrangements, or markets where we can be integrated and attain high market share. We are a leading provider of solid waste services in most of our markets, and approximately 50% of our revenues are derived from market areas where we have franchise or exclusive rights to provide our waste services.
