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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage origination, including knowledge of mortgage products, regulatory guidelines, and underwriting processes. Proven ability to achieve sales goals through effective communication and customer management.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityNegotiation SkillsKnowledge of Mortgage LawsTime Management Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Mortgage Application ProcessUnderwriting LoansLoan Information EntryPipeline ManagementRegulatory CompliancePoint-of-Sale Underwriting SystemsLoan DocumentationSales Goal AchievementCustomer Expectation ManagementComplex Mortgage Needs Handling
Soft Skills
Excellent Verbal CommunicationExcellent Written CommunicationSelf-Directed Planning
Tools & Technologies
Mortgage Loan SystemAutomated Underwriting Systems
Certifications & Qualifications
Registered Mortgage Loan OriginatorEligibility Under Regulation ZNMLS Registration
Industry Keywords
Mortgage ProductsLending PracticesRegulatory GuidelinesReal Estate TransactionsHomebuyer Seminars
About the role
Key responsibilities & impact- Meet with prospects referred by realtors, developers, attorneys, and internal/external referral sources
- Explain mortgage products and recommend options based on prospect needs
- Guide customers through the mortgage application process
- Explain required information and loan-process steps
- 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, legal requirements, and regulatory guidelines
- Generate referrals for mortgage and other company business-line products
- Develop plans to achieve sales goals
- Enter loan information into the mortgage loan system and maintain accurate pipelines
- Create supporting underwriting and regulatory files
- Send applications and required information to underwriting
- Underwrite loans using point-of-sale underwriting systems within authority
- Communicate loan decisions and additional information requirements to customers
- Submit materials to processing, clear conditions, finalize commitments, and prepare for closing
- Coordinate with customers, underwriters, processors, realtors, and closing agents
- Attend closings as needed
- Maintain knowledge of industry practices, products, mortgage laws, and regulations through training and seminars
- Participate in homebuyer seminars, home shows, broker meetings, and financing workshops
- Recommend changes to products, programs, or pricing
- Support successful TD Bank audits and examinations
- Handle complex mortgage needs
Requirements
What you’ll need- Bachelor’s degree or progressive work experience in addition to the stated experience
- 2+ years of mortgage origination experience
- Proven sales ability
- Developing knowledge of the mortgage industry, products, lending practices, and regulatory guidelines
- Highest level of sales ability and negotiation skills
- Self-directed; able to plan 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
- Must be eligible for registration as a registered mortgage loan originator with the 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/authorities
- Occasional domestic travel; no international travel
Benefits
Comp & perks- 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
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Competitive benefits plan