Mortgage Loan Officer- East Coast US

Job description

Remote

nNew York, New York

nRemote Charlotte (NC)

nRemote Jacksonville (FL)

nRemote Mount Laurel (NJ)

nRemote Boston (MA)

nRemote Greenville (NC)

nRemote Hartford (CT)

nRemote Charleston (SC)

nRemote Tampa (FL)

nRemote West Palm Beach (FL)

nRemote Portland (ME)

nRemote Orlando (FL)

nRemote Wilmington (DE) City Tax

nRemote Philadelphia (PA)

nRemote Washington (DC)

nFull time

nR_

nWork Location:

nNew York, New York, United States of America

nHours:

n40

nPay Details:

n$11.54 - $18.40 USD

nTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

nAs 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.

nLine of Business:

nPersonal & Commercial Banking

nJob Description:

nThe 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.

nPay Range- $11.54 per hour depending on established local minimum wage plus commission. #LI-USOther

nDepth & Scope:

nnnMeets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources

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nnExplains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs

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nnGuides Customers through the mortgage application process

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nnExplains information required and other aspects of the loan process to Customers

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nnEnsures applications are completed accurately and contain required information and supporting documentation

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nnManages Customers expectations regarding processing times and closing dates

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nnSells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines

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nnGenerates referrals for mortgage sales opportunities and sales of other Company business line products

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nnDevelops plan to achieve sales goals with assistance from sales management

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nnEnters information into mortgage loan system so that loans will appear accurately in the pipeline

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nnCreates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes

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nnSends application and other required information to underwriting area

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nnUnderwrites loans using point-of-sale underwriting systems within scope of authority

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nnCommunicates loan decisions directly to Customers and explains any additional information needed

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nnSubmits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing

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nnCommunicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned

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nnAttends closings as needed

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nnDevelops 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

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nnDevelops knowledge of policies, procedures, rules and regulations related to retail mortgage products

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nnParticipates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops

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nnRecommends changes to products, programs and/or pricing

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nnEnsures TD Bank maintains successful audits and exams within all areas

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nnDeals with complex mortgage needs

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n nEducation & Experience:

nnnBachelors degree or progressive work experience in addition to experience below

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nn2+ Years of mortgage origination experience

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nnProven Sales ability

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nnDeveloping knowledge of mortgage industry, products, lending practices and regulatory guidelines

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nnMaintains the highest level of sales ability and negotiation skills

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nnSelf-directed, ability to plan own activities to achieve sales goals

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nnStrong time management skills

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nnExcellent communication skills, both verbal and written

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nnPC skills, including ability to learn mortgage origination and automated underwriting systems

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n nOCC Language:

nnnThis position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part , 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

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nnMust 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

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nnMust 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 1007

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nnSatisfactory 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

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n nPhysical Requirements:

nNever: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

nnnDomestic Travel – Occasional

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nnInternational Travel – Never

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nnPerforming sedentary work – Continuous

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nnPerforming multiple tasks – Continuous

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nnOperating standard office equipment - Continuous

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nnResponding quickly to sounds – Occasional

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nnSitting – Continuous

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nnStanding – Occasional

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nnWalking – Occasional

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nnMoving safely in confined spaces – Occasional

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nnLifting/Carrying (under 25 lbs.) – Occasional

n

nnLifting/Carrying (over 25 lbs.) – Never

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nnSquatting – Occasional

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nnBending – Occasional

n

nnKneeling – Never

n

nnCrawling – Never

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nnClimbing – Never

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nnReaching overhead – Never

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nnReaching forward – Occasional

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nnPushing – Never

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nnPulling – Never

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nnTwisting – Never

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nnConcentrating for long periods of time – Continuous

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nnApplying common sense to deal with problems involving standardized situations – Continuous

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nnReading, writing and comprehending instructions – Continuous

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nnAdding, subtracting, multiplying and dividing – Continuous

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n nThe 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.

nWho We Are:

nTD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

nOur Total Rewards Package

nOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD 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) and several other 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 (

nAdditional Information:

nWe’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

nColleague Development

nIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

nIf you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

nWe're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

nTraining & Onboarding

nWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

nInterview Process

nWe’ll 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.

nAccommodation

nTD 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.

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

nUS Labor & Employment Posters ( | California Privacy ( |

nAccessibility ( | FAQ (

nOur Values

nAt TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

nOur Commitment to Diversity, Equity, and Inclusion

nAt TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

nHelping to Make an Impact in Communities – TD Ready Commitment

nTD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada ( | US ( | Europe & Asia Pacific (

nFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Worksite address

new york, NY, 10261, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.