M&T Bank · 1 day ago
CRA Mortgage Originator
Williamsville, NY
Full-time
Hybrid
Entry, Mid Level
$26/hr - $43.34/hr
2+ years expM&T Bank is a financial institution focused on serving low-to-moderate income neighborhoods. The CRA Mortgage Originator role involves originating mortgage applications, marketing bank products, and ensuring compliance with federal regulations while actively engaging with the community to foster business relationships.
Financial Services
Hiring Manager
Jessica Birchler, MBA
Responsibilities
Works independently to cultivate new mortgage business
Markets, services and promotes the bank's mortgage products
May be required to travel to and work at prospective customers’ homes or business locations. Follows-up on potential customers via travel or telephone
Follows-up on potential customers via travel or telephone
Market bank wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc
Market agency related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods.Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data
Independently assesses applicant's credit worthiness
Has authority to issue pre-qualification statement of borrowers' eligibility
Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs
Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.Negotiates terms and conditions of loans with mortgagors
Has authority to bind the bank in connection therewith.Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements
Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance
Interact with various housing agencies and governmental entities focused on CRA initiatives
Stay informed of industry regulations and governmental requirements as they relate to CRA housing needs.Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first time homebuyer guidelines and mortgage opportunities that lie therein
Represents the bank in the community and related functions to identify, develop and promote additional business
May present seminars to general public and real estate agents to promote additional business and community outreach
Qualification
Required
Associates degree and 2 years sales experience
A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience
Must adhere to the requirements of federal registration under the SAFE Act
Ability to work independently to cultivate new mortgage business
Ability to market, service and promote the bank's mortgage products
Ability to travel to and work at prospective customers' homes or business locations
Ability to follow-up on potential customers via travel or telephone
Ability to interview applicants to collect and analyze information regarding their income, assets, debts and credit data
Ability to independently assess applicant's credit worthiness
Authority to issue pre-qualification statement of borrowers' eligibility
Ability to determine which products best meet the customer's needs and financial circumstances
Ability to advise potential borrowers regarding the advantages and disadvantages of different financial products
Ability to negotiate terms and conditions of loans with mortgagors
Authority to bind the bank in connection with loans
Ability to ensure lending compliance with all origination procedures including bank policies and procedures and regulatory requirements
Ability to advise management on effective compliance strategies and potential modifications to corporate operating policies
Ability to interact with various housing agencies and governmental entities focused on CRA initiatives
Ability to stay informed of industry regulations and governmental requirements as they relate to CRA housing needs
Ability to meet with potential customers to ascertain financial needs as they may relate to CRA guidelines
Ability to represent the bank in the community and related functions to identify, develop and promote additional business
Ability to present seminars to general public and real estate agents to promote additional business and community outreach
Ability to travel extensively with limited supervision
Ability to establish and maintain federal registration requirements outlined in the SAFE Act
Company
M&T Bank
Great companies have an enduring sense of purpose.
10001+ employees
Funding
Current Stage
Late StageLeadership Team
René Jones
Chairman & Chief Executive Officer
Dan Saper
•Co-Founder/Co-Chairman of Welcome to M&T Bank Affinity Group, Western New York Chapter
Recent News
2025-10-07
2025-10-06
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