Mortgage Representative - Inside Sales - M&T Bank

**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. **Location** Lake Oswego, Oregon, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.