Work Location: Calverton, Maryland, États-Unis d'Amérique
Hours: 40
Pay Details: $15.00 - $15.00 USD
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business: Services bancaires personnels et commerciaux
Job Description: The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans.
Depth & Scope: Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sourcesExplains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needsGuides Customers through the mortgage application processExplains information required and other aspects of the loan process to CustomersEnsures applications are completed accurately and contain required information and supporting documentationManages Customers expectations regarding processing times and closing datesSells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelinesGenerates referrals for mortgage sales opportunities and sales of other Company business line productsDevelops plan to achieve sales goals with assistance from sales managementEnters information into mortgage loan system so that loans will appear accurately in the pipelineCreates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposesSends application and other required information to underwriting areaUnderwrites loans using point-of-sale underwriting systems within scope of authorityCommunicates loan decisions directly to Customers and explains any additional information neededSubmits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closingCommunicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as plannedAttends closings as neededDevelops 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 regulationsDevelops knowledge of policies, procedures, rules and regulations related to retail mortgage productsParticipates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshopsRecommends changes to products, programs and/or pricingEnsures TD Bank maintains successful audits and exams within all areasDeals with complex mortgage needsEducation & Experience: Bachelors degree or progressive work experience in addition to experience below2+ Years of mortgage origination experienceProven Sales abilityDeveloping knowledge of mortgage industry, products, lending practices and regulatory guidelinesMaintains the highest level of sales ability and negotiation skillsSelf-directed, ability to plan own activities to achieve sales goalsStrong time management skillsExcellent communication skills, both verbal and writtenPC skills, including ability to learn mortgage origination and automated underwriting systemsOCC 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 1007Must 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 1026.36Must 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. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007Satisfactory 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 positionPhysical Requirements: Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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.
#J-18808-Ljbffr