CRA Mortgage Originator

Position Overview

Originate mortgage applications within low-to-moderate income neighborhoods and for low-to-moderate income borrowers. This role participates in Community Reinvestment Act (CRA) activities and functions within M&T community bank regions while adhering to federal registration requirements under the SAFE Act. Located in Williamsville, New York, United States, this position supports the bank’s mission to make a difference in people’s lives and uplift the communities it serves. M&T Bank, a long-standing financial institution with over 165 years of history, combines the capabilities of a large bank with the personalized service of a locally focused institution.

Key Responsibilities

• Cultivate new mortgage business independently.
• Market, service, and promote the bank's mortgage products.
• Travel as needed to meet potential customers at their homes or business locations.
• Follow-up with potential customers through travel and telephone communications.
• Market bankwide proprietary CRA products and agency-related products (FHA, VA, etc.) to target markets.
• Interview applicants to collect and analyze their income, assets, debts, and credit information in order to determine loan eligibility.
• Issue pre-qualification statements and advise customers on suitable mortgage products based on their financial circumstances.
• Negotiate loan terms with mortgagors with the authority to bind the bank when necessary.
• Ensure compliance with lending procedures, bank policies, and regulatory requirements, advising management on effective strategies.
• Interact with housing agencies, governmental entities, and community groups to support CRA initiatives.
• Represent the bank at community events and seminars to develop new business relationships.
• Travel extensively with limited supervision while maintaining strong internal and external contacts.
• Establish and maintain federal registration under the SAFE Act.

Required Qualifications

• Associates degree and 2 years of sales experience, OR alternatively, a combined minimum of 4 years of higher education and/or relevant work experience including at least 2 years of sales experience.

Benefits & Perks

• Compensation: $24.76 - $41.27 Hourly (USD); the successful candidate’s combination of knowledge, skills, and experience will inform the specific offer.
• Competitive benefits including medical and retirement plans.
• Forty hours of paid volunteer time each year.
• Opportunities for career growth and community involvement.