Mortgage Loan Officer

4 weeks ago

New York, New York, United States TD Bank Group Full time
Job Summary

We are seeking a highly skilled Mortgage Loan Officer to join our team at TD Bank Group. As a Mortgage Loan Officer, you will be responsible for selling and originating residential mortgage loans to meet sales goals. You will take residential mortgage loan applications and offer or negotiate terms of residential mortgage loans.

Key Responsibilities
  • Meet with prospects identified directly as well as referred by realtors, developers, attorneys, and other external and internal referral sources.
  • Explain variety of mortgage products and services available and offer recommendations based on evaluation of individual prospect needs.
  • Guide customers through the mortgage application process.
  • Ensure applications are completed accurately and contain required information and supporting documentation.
  • Manage customer expectations regarding processing times and closing dates.
  • Sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines.
  • Generate referrals for mortgage sales opportunities and sales of other Company business line products.
  • Develop plan to achieve sales goals with assistance from sales management.
  • Enter information into mortgage loan system so that loans will appear accurately in the pipeline.
  • Create supporting files with backup and explanatory documentation and information for underwriting, regulatory, and other purposes.
  • Send application and other required information to underwriting area.
  • Underwrite loans using point-of-sale underwriting systems within scope of authority.
  • Communicate loan decisions directly to customers and explain any additional information needed.
  • Submit application materials and other required information to processing area to clear any conditions, finalize the loan commitment, and prepare for closing.
  • Communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure application process proceeds as planned.
  • Attend closings as needed.
  • Develop 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.
  • Develop knowledge of policies, procedures, rules, and regulations related to retail mortgage products.
  • Participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops.
  • Recommend changes to products, programs, and/or pricing.
  • Ensure TD Bank maintains successful audits and exams within all areas.
  • Deal with complex mortgage needs.
Requirements
  • Bachelor's 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.
Language

This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part , 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.

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

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.

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

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