TD
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.
Mortgage Loan Officer
Job not on LinkedIn
🕒 July 29
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TD
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
• Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources • Explains variety of mortgage products and services available and offers recommendations based on evaluation of 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 Customers 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 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 • 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 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 • Attends closings as needed • 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 • Recommends changes to products, programs and/or pricing • Ensures TD Bank maintains successful audits and exams within all areas • Deals with complex mortgage needs
🎯 Requirements
• Bachelor's degree or progressive work experience • 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
🏖️ Benefits
• Health insurance • Banking benefits and discounts • Paid time off (including Vacation PTO, Flex PTO, and Holiday PTO) • Career development and support
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