Mortgage Originator Job in Washington, DC | M&T Bank
Overview
Own the full mortgage origination process for FHA/VA and conventional loans in the Washington, DC market. You will interview applicants, analyze financial data, and issue pre-qualification statements to guide borrowers toward the right products. Work under limited supervision, often in the field, building relationships with Realtors and developers. This role demands independent judgment and deep knowledge of SAFE Act compliance, with the authority to bind the bank on loan terms.
What You'll Do7
- 1Interview applicants to collect and analyze income, assets, debts, and credit data, then assess credit worthiness and issue pre-qualification statements.
- 2Advise borrowers on the advantages and disadvantages of different mortgage programs, matching products to their financial needs.
- 3Cultivate new business by soliciting residential mortgages through contacts with Realtors, builders, and developers, including travel to client locations.
- 4Negotiate loan terms and conditions with mortgagors, with authority to bind the bank in accordance with policy.
- 5Ensure lending compliance with all origination procedures, including bank policies and SAFE Act registration requirements.
- 6Monitor local real estate market trends and regulatory changes to adjust origination strategies accordingly.
- 7Represent the bank in community functions and present seminars to promote mortgage products and outreach.
Requirements8
- 1Associate's degree and 2+ years in sales, or a combined minimum of 4 years of higher education and/or relevant work experience including 2 years in sales.
- 2Thorough knowledge of FHA/VA regulations, conventional loan requirements, and real estate law.
- 3Proven sales ability and strong mathematical skills.
- 4Self-motivated and well-organized, with the ability to work independently and follow through on details.
- 5Excellent verbal and written communication skills.
- 6Ability to interact professionally with individuals at all income levels and peers.
- 7Ability to work under critical time constraints.
- 8General knowledge of personal computers and software used by the Residential Mortgage Department.
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