Mortgage Loan Officer- Salisbury Md
1 week ago
Work Location:
Annapolis, Maryland
Hours:
40
Pay Details:
15.00 - 15.00 USD
Line of Business:
Personal & Commercial Banking
**Job Description**:
Depth & Scope:
- Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
- Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
- Explains information required and other aspects of the loan process to Customers
- Manages Customers expectations regarding processing times and closing dates
- Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
- Generates referrals for mortgage sales opportunities and sales of other Company business line products
- Develops plan to achieve sales goals with assistance from sales management
- Enters information into mortgage loan system so that loans will appear accurately in the pipeline
- Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes
- Underwrites loans using point-of-sale underwriting systems within scope of authority
- Communicates loan decisions directly to Customers and explains any additional information needed
- Attends closings as needed
- Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations
- Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products
- Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops
- Recommends changes to products, programs and/or pricing
- Ensures TD Bank maintains successful audits and exams within all areas
- Deals with complex mortgage needs
Education & Experience:
- Bachelors degree or progressive work experience in addition to experience below
- 2+ Years of mortgage origination experience
- Proven Sales ability
- Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
- Maintains the highest level of sales ability and negotiation skills
- Self-directed, ability to plan own activities to achieve sales goals
- Strong time management skills
- Excellent communication skills, both verbal and written
- PC skills, including ability to learn mortgage origination and automated underwriting systems
OCC Language:
- This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. -- 5102 et seq., and its implementing regulations, 12 CFR Part 1007
- Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
- Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. -- 5102 et seq., and its implementing regulations, 12 CFR Part 1007
- Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel - Occasional
- International Travel - Never
- Performing sedentary work - Continuous
- Performing multiple tasks - Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds - Occasional
- Sitting - Continuous
- Standing - Occasional
- Walking - Occasional
- Moving safely in confined spaces - Occasional
- Lifting/Carrying (under 25 lbs.) - Occasional
- Lifting/Carrying (over 25 lbs.) - Never
- Squatting - Occasional
- Bending - Occasional
- Kneeling - Never
- Crawling - Never
- Climbing - Never
- Reaching overhead - Never
- Reaching forward - Occasional
- Pushing - Never
- Pulling - Never
- Twisting - Never
- Concentrating for long periods of time - Continuous
- Reading, writing and comprehending instructions - Continuous
- Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilit
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