Mortgage Loan Originator

4 weeks ago

New York, New York, United States TD Bank Full time
Mortgage Loan Originator Job Description

The Mortgage Loan Originator is responsible for selling and originating residential mortgage loans to meet sales goals. This involves taking residential mortgage loan applications, offering or negotiating terms of residential mortgage loans, and explaining various mortgage products and services available to customers.

Key Responsibilities:

  • Guides customers through the mortgage application process
  • Ensures applications are completed accurately and contain required information and supporting documentation
  • 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
  • Sends application and other required information to underwriting area
  • Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
  • Communicates regularly with customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
  • 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
  • Ensures TD Bank maintains successful audits and exams within all areas
  • Deals with complex mortgage needs

Requirements:

  • Bachelor's degree or progressive work experience in addition to experience below
  • 2+ years of mortgage origination experience
  • Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
  • PC skills, including ability to learn mortgage origination and automated underwriting systems

Language:

  • 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
  • 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. 5101 et seq.
  • 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

Travel:

  • Domestic Travel - Occasional
  • International Travel - Never
  • Operating standard office equipment - Continuous
  • Reading, writing and comprehending instructions - Continuous

About TD Bank:

TD Bank is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

We are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals.

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. We do our best to communicate outcomes to all applicants by email or phone call. If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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