Mortgage Business Development Specialist

Retail Mortgage Business Development Specialist

Location:

Portland, Maine, United States of America

Pay Range: $62,200.00 - $ Annual (USD).

• Activate Retail Bank branches as a consistent and sustainable source of qualified residential mortgage opportunities
• Increase mortgage awareness, confidence, and referral effectiveness among branch personnel
• Drive high‑quality customer introductions to the centralized mortgage origination team
• Strengthen collaboration and alignment between Retail Banking and Mortgage Lending

• In‑Field Branch Engagement – Spend majority of time in assigned Retail Bank branches, build strong working relationships with branch managers, assistant managers, and frontline staff, serve as primary mortgage subject‑matter expert supporting branch‑based customer conversations.
• Training, Education & Coaching – Train and educate all branch personnel on mortgage fundamentals, product overviews, customer profiles best suited for residential mortgage solutions, effective discovery questions, and compliant, customer‑centric sales behaviors; provide ongoing coaching, refreshers based on observed needs.
• Opportunity Identification & Referral Enablement – Support branch teams in identifying customer opportunities across purchase, refinance, construction, and portfolio lending needs, life events such as relocation, family growth, or financial restructuring; guide branch staff on proper handoff to centralized mortgage origination team, ensure referrals are well‑positioned with appropriate context.
• Partnership with Centralized Mortgage Origination – Act as liaison between Retail Banking and Mortgage Origination team, collaborate with mortgage leadership on priorities, programs, and feedback; support smooth transition of customers from branch introduction through application and fulfillment.
• Performance Support & Continuous Improvement – Track branch engagement activity and referral trends, identify gaps, provide feedback and recommendations to leadership to enhance results.

Influences mortgage production indirectly through education, coaching, and referral activation. Supports multiple Retail Bank branches within an assigned territory. Does not carry an individual loan production goal or personal pipeline. Plays key role in strengthening the Bank’s overall residential mortgage growth strategy.

• Prior experience as a Retail Mortgage Loan Officer with hands‑on origination responsibility.
• Comprehensive understanding of residential mortgage products, processes, and customer lifecycle.
• Strong knowledge of regulatory requirements impacting mortgage referrals and origination.
• Proven ability to educate, coach, and influence frontline teams.
• Excellent interpersonal, presentation, and communication skills.
• Ability to work independently in a highly field‑based environment.

• Experience partnering with retail branch networks or consumer banking teams.
• Demonstrated success in mortgage business development or branch activation roles.
• Familiarity with centralized or consumer‑direct mortgage operating models.
• SAFE Act registration (or ability to maintain registration, as applicable).

• Extensive in‑field presence across assigned Retail Bank branches.
• Regular travel within the assigned market or region.
• Minimal desk‑based work compared to branch engagement activities.

• Adhere to all Bank policies, procedures, and regulatory requirements.
• Ensure mortgage‑related education and referral practices are compliant and customer‑focused.
• Maintain required licenses and registrations, including SAFE Act requirements.

This role is best suited for a mortgage professional who thrives in the field, enjoys teaching and influencing others, and is motivated by driving collective results rather than individual production. Success is measured by branch engagement, referral quality, and the strength of partnerships built across Retail Banking and Mortgage Lending.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.