Mortgage Representative - Inside Sales

**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