Mortgage Loan Officer

🕒 September 21

🏖️ New Jersey – Remote

🏖️ New Jersey – Remote

💵 $15 / hour

⏰ Full Time

🟢 Junior

🟡 Mid-level

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 34%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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

• Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources • Explain mortgage products and services and recommend options based on prospect needs • Guide customers through the mortgage application process • Explain required information and other aspects of the loan process • Ensure applications are accurate and include required documentation • Manage customer expectations regarding processing times and closing dates • Sell and originate residential mortgage loans according to policies, procedures, and legal and regulatory guidelines • Generate referrals for mortgage opportunities and other company business-line products • Develop plans to achieve sales goals with sales management assistance • Enter information into mortgage loan systems and maintain accurate pipeline data • Create supporting files and documentation for underwriting, regulatory, and other purposes • Send applications and required information to underwriting • Underwrite loans using point-of-sale underwriting systems within authorized scope • Communicate loan decisions and additional information needed to customers • Submit materials to processing, clear conditions, finalize commitments, and prepare for closing • Coordinate regularly with customers, underwriters, processors, realtors, closing agents, and others • Attend closings as needed • Develop knowledge through experienced sales personnel, continuing education, and seminars • Maintain knowledge of retail mortgage policies, procedures, rules, and regulations • Participate in homebuyer seminars, home shows, brokers' meetings, and financing workshops • Recommend changes to products, programs, and pricing • Support successful TD Bank audits and examinations • Handle complex mortgage needs

🎯 Requirements

• Bachelor's degree or progressive work experience in addition to the stated experience requirements • 2+ years of mortgage origination experience • Proven sales ability • Developing knowledge of mortgage industry, products, lending practices, and regulatory guidelines • Highest level of sales ability and negotiation skills • Self-directed and able to plan own activities to achieve sales goals • Strong time management skills • Excellent verbal and written communication skills • PC skills, including ability to learn mortgage origination and automated underwriting systems • Must be eligible for employment with a covered financial institution under Regulation Z standards • Must be eligible 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 a government agency or authority • Occasional domestic travel • Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic arithmetic continuously or occasionally as specified

🏖️ Benefits

• 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 • Competitive benefits plan

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