Mortgage Loan Officer- Jacksonville FL

Mortgage Loan Officer Jacksonville, FL

Location: Jacksonville, FL, United States
Hours: 40 hrs/week
Pay: $14.00 per hour (plus commissions)

Work Location: Jacksonville, Florida, United States

Pay Details: $14.00 $14.00 USD. TD is committed to fair and equitable compensation opportunities, with growth and skill development opportunities. Compensation may vary based on skills, experience, geography and business needs. Candidates are encouraged to discuss compensation with their recruiter.

Line Of Business: Services bancaires personnels et commerciaux

Job Description

The Mortgage Loan Officer sells and originates residential mortgage loans to meet sales goals. The Officer takes mortgage applications and offers or negotiates loan terms, offering commission-based pay at $11.54 per hour plus commissions.

Depth & Scope:

• Meets with prospects directly and those referred by realtors, developers, attorneys and other referral sources.
• Explains a variety of mortgage products and recommends based on individual prospect needs.
• Guides Customers through the mortgage application process.
• Explains information required and other aspects of the loan process to Customers.
• Ensures applications are completed accurately and contain required information and supporting documentation.
• Manages Customer 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 other Company business line products.
• Develops plan to achieve sales goals with assistance from sales management.
• Enters information into the mortgage loan system so that loans will appear accurately in the pipeline.
• Creates supporting files with backup and explanatory documentation for underwriting, regulatory and other purposes.
• Sends application and other required information to underwriting.
• Underwrites loans using point-of-sale underwriting systems within scope of authority.
• Communicates loan decisions directly to Customers and explains any additional information needed.
• Submits application materials and other required information to processing 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 the application process proceeds as planned.
• Attends closings as needed.
• Develops knowledge of current industry practices and trends by learning from experienced sales personnel and attending continuing education training and seminars, including but not limited to Company products, services, mortgage laws and regulations.
• Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products.
• Participates in homebuyer seminars, home shows, brokers meetings and other 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.
• Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the 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
• Applying common sense to deal with problems involving standardized situations 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 responsibilities & duties are considered essential functions for ADA purposes.

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. TD delivers legendary customer experiences to over 27?million households and businesses in Canada, the United States and worldwide. More than 95?000 TD colleagues bring their skills, talent and creativity to the Bank, those we serve and the economies we support. TDs vision is to be the better bank and its purpose is to enrich the lives of customers, communities and colleagues.

Our Total Rewards Package

Our Total Rewards package includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) as well as 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. Learn more.

Additional Information

Were delighted youre considering a career with TD. Through regular development conversations, training programs and a competitive benefits plan, were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

We want to help you succeed in specific career paths or skill development. Youll have regular career, development and performance conversations with your manager, access to an online learning platform and mentoring programs to unlock future opportunities. Whether you wish to coach or inspire colleagues, there are many career paths within our organization and were committed to supporting your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure you have everything you need to succeed in your new role.

Interview Process

Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Seniority Level

Entry level

Employment Type

Full-time

Job Function

Finance and Sales

Industries

Banking

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