R05106**Basic Function**Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act.**Position Responsibilities**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.Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. Regularly works at a bank facility, but may be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone.Negotiates terms and conditions of loan 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.Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.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.**Nature and Scope**The incumbent always works under limited supervision, sometimes away from the office.The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office.Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationshipsResponsibility to establish and maintain federal registration requirements outlined in the SAFE Act.**Basic Qualifications**Associates degree and 2 years sales experience or in lieu of a degree a combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience.Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law.**Ideal Qualifications**Technical SkillsGeneral knowledge of personal computers and software programs utilized by Residential Mortgage DepartmentProven sales ability.Strong mathematical skills.Self-motivated, well-organized individual.Excellent verbal and written communication skills.Ability to interact with individuals at all income levels and peers in a professional manner.Demonstrated ability to work independently and to follow through on details to completion.Ability to work under critical time constraints.We encourage candidates with relevant military experience to apply.About MAt M, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.**Location**Gaithersburg, Maryland, United States of America**At M Bank, we make a difference in people's lives** . For more than 160 years, we've been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers.**Our talent and culture set us apart.** Our core values drive the work we do - integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. _At M, we are a talent and people driven organization. Take a peek inside M's Human Capital Report (https://www3.mtb.com/homepage/careers/why-work-at-m-and-t) to learn how it feels to be one of our 17,000+ employees._**We are constantly renewing.** Our future success relies on our ability to understand what's important to our customers and use that understanding to build new and innovative customer experiences.**We support our employees every step of the way.**+ Competitive compensation+ Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance+ Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO+ 401(k) match at 5% with options for Roth and discretionary employer contributions+ A deep commitment to equity, including 14 resource group charters, aD sponsorship program, 40 annual paid volunteer hours and more+ Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts**We need you.** Are you ready to join us? Apply today to start the journey.If you are unable to apply through this site due to technical issues, please contact us at email@example.com for assistance.M Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.M Bank Corporation has policies and procedures in place to promote a drug free workplace.