Mortgage Loan Officer

4 weeks ago

New Brunswick, New Jersey, United States TD Bank Full time

Mortgage Loan Officer Job Description

Job Summary:

We are seeking a highly skilled Mortgage Loan Officer to join our team at TD Bank. 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 a 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.
  • 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 a 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.

§§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007

Physical Requirements:

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

Applying common sense to deal with problems involving standardized situations – Continuous

Reading, writing, and comprehending instructions – Continuous

Adding, subtracting, multiplying, and dividing – Continuous

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