Community Mortgage Loan Officer

🕒 August 10

🦀 Maryland – Remote

🦀 Maryland – Remote

💵 $28 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

👫 Community Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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TD

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1855

🏦 Banking

💸 Finance

🛡️ Insurance

💰 Grant on 2023-10

Banking • Finance • Insurance

TD is one of North America's biggest banks offering a wide range of banking services including personal and business banking, insurance, wealth management, and securities. TD is committed to sustainability, diversity, equity, and inclusion, ensuring a supportive and inclusive workplace where employees are empowered to grow. The bank provides various roles and career opportunities across different regions with a focus on community impact and professional development. TD's culture is defined by care and respect, aimed at benefiting their business performance, customers, and communities.

📋 Description

• Identify, develop, and maintain networks of community organizations, Realtors, and local/state government agencies generating mortgage referrals • Take residential mortgage loan applications and communicate underwriting decisions, offers, and counteroffers • Increase mortgage loan volume focused on CRA, low- and moderate-income, multicultural, and first-time homebuyer borrowers • Research organizations and agencies serving low- and moderate-income persons and communities • Establish relationships with nonprofits, Realtors, housing offices, and affordable housing organizations • Represent TD at housing seminars, financial literacy programs, affordable housing conferences, and community initiatives • Explain mortgage products and services, recommend solutions, communicate loan terms, and finalize sales • Sell other Company products and services as appropriate • Guide customers through mortgage applications, disclosures, documentation, processing times, and closing dates • Coordinate with customers, underwriters, processors, Realtors, closing agents, and other parties to keep applications on schedule • Attend closings as needed • Report progress toward goals to management and request assistance as needed • Sell and originate residential mortgage loans according to policies, procedures, and legal and regulatory guidelines • Communicate loan decisions and submit application materials and required information to processing and underwriting • Maintain current knowledge of local real estate market trends and mortgage policies, procedures, rules, and regulations • Build and maintain referral-source networks among brokers, builders, attorneys, accountants, financial planners, and other professionals • Enter loan information into mortgage systems and create supporting underwriting and regulatory files

🎯 Requirements

• Bachelor’s degree or progressive work experience in addition to the required experience • 3+ years of related experience • Growing network of outside contacts generating quality referral business • Self-directed ability to plan activities and achieve sales goals • Excellent time management skills • PC skills, including mortgage origination and automated underwriting systems • Active registration status with NMLS (Nationwide Mortgage Licensing System and Registry) • Established network of community organizations, municipalities, and agencies focused on affordable housing and first-time homebuyer education • Demonstrated sales ability • In-depth knowledge of mortgage industry, products, lending practices, and regulatory guidelines • Minimum target annual loan originations of 48 LMI/multicultural units • Eligibility for employment with a covered financial institution under Regulation Z standards • Eligibility for registration as a registered mortgage loan originator with NMLS under the SAFE Act • Satisfactory criminal background check and credit report check • Required statements/certification regarding administrative, civil, and/or criminal findings by government agencies or authorities • Ability to perform the listed physical requirements, including continuous sedentary work, multitasking, office-equipment operation, concentration, and reading/writing/comprehension

🏖️ Benefits

• Base pay of $28.85 per hour • Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards • 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 • Reward and recognition • Regular career, development, and performance conversations with manager • Online learning platform • Mentoring programs • Training and onboarding sessions • Accommodation support for applicants with disabilities